A Home Equity Line of Credit (HELOC) gives you access to the equity in your home as a revolving line of credit. Use your equity to make home improvements, go on a trip, consolidate debt, pay for school, or other needs. Interest may be tax deductible. Consult a tax advisor. All loans are subject to credit approval.

    • Terms: 10 year draw, 20 year payback
    • Types: Primary or second homes
    • Credit Score: 640 minimum

HELOC Calculator

This calculator estimates how much you may be able to borrow. It is for informational purpose only. The loan to value ratio can vary based on the property and applicant’s credit history. 

Application checklist

This checklist will help you prepare your application and expedite your loan decision.

How to Apply

Apply in person by visiting your local branch or start online by submitting a loan request.


Have questions or need more help? Request information online or contact your local branch .