turn the equity in your home into cash

The equity in your home is a powerful tool

As you make your mortgage payment every month, your equity increases. If the value of your home goes up due to the real estate market, your equity also increases.

You can use the equity in your home to fund a variety of improvements—not just around the house. Use a home equity loan (HELoan) or home equity line of credit (HELOC) for:

• home renovations
• a dream trip
• pay down high-interest debt or debt consolidation

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So many ways to use your equity

If you have equity in your home, use it to make a variety of improvements - not just around the house. Interest rates on home equity loans and lines of credit are typically lower than credit cards, which helps you save money in the long run.

1 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. $75 annual fee after first anniversary. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. The interest rate will not exceed 18%. For a fee of $100, borrowers may lock all or a portion of the outstanding balance for a fixed term at a fixed rate. Home Equity Lines of Credit have a Draw Period and Repayment Period. During the Draw Period, the minimum monthly payment is interest only. At the end of the Draw Period, the Repayment Period begins. During the Repayment Period, the principal balance, excluding previously locked amounts, is amortized over a period of 15 years, which may increase the monthly payment previously due. No closing costs and/or origination fees on Home Equity Lines of Credit on owner occupied residences. There is an origination fee of $1,250 on non-owner occupied properties. All loans subject to credit review and approval and rates are subject to change without notice. Additional loan benefits may apply. For additional information on loan benefits, please view our checking account options.

2 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. The applicable interest rate is fixed. No closing costs and/or origination fees on Home Equity Installment Loans on owner occupied residences. There is an origination fee of $1,250 on non-owner occupied properties. All loans subject to credit review and approval and rates are subject to change without notice. Additional loan benefits may apply. For additional information on loan benefits, please view our checking account options.

3 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. $0 annual fee. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. The interest rate will not exceed 18%. For a fee of $100, borrowers may lock all or a portion of the outstanding balance for a fixed term at a fixed rate. Home Equity Lines of Credit have a Draw Period and Repayment Period. During the Draw Period, the minimum monthly payment is interest only. At the end of the Draw Period, the Repayment Period begins. During the Repayment Period, the principal balance, excluding previously locked amounts, is amortized over a period of 15 years, which may increase the monthly payment previously due. No closing costs and/or origination fees on Home Equity Lines of Credit on owner occupied residences. There is an origination fee of $1,250 on non-owner occupied properties. First lien position only. All loans subject to credit review and approval and rates are subject to change without notice. Additional loan benefits may apply. For additional information on loan benefits, please view our checking account options.

4 APR = Annual Percentage Rate. Introductory rates start at 6.99% for the first 6 months. $10,000 minimum loan amount or increase to existing line required. Eligible on owner occupied properties only. Must apply by December 31, 2024 for promotional rate. Non-promotional rate ranges from 7.60% to 11.05% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.

5 APR = Annual Percentage Rate. Rates range from 7.35% - 10.75% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.

6 APR = Annual Percentage Rate. Rates range from 7.60% to 11.05% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.