HELOC Special Offer - Limited time

Fixed Introductory Rate as low as 1.99%APR* for Two Years1

  • Borrow up to 80% of your homes value, less the first mortgage
  • Draw on your line of credit for up to 15 years
  • Take up to 20 years to pay it off

APPLY NOW  


APPLY FOR A HOME EQUITY LOAN TODAY.

Our home equity products are a great low-rate alternative for making major home improvements, consolidating debt, or paying college tuition. The interest may be tax deductible1, so it’s a smart way to get more for your money. Check out our current rates.

Line of Credit Fixed for Two Years2

  • Borrow up to 95%* of your home’s value, less the first mortgage balance.
  • Draw on your line of credit for up to 15 years
  • Take up to 20 years to pay it off
Apply Now

Line of Credit Fixed for Five Years2

  • Borrow up to 95%* of your home’s value, less the first mortgage balance.
  • Set payment for longer term
  • Draw on your line of credit for up to 15 years
  • Take up to 20 years to pay it off
Apply Now

Home Equity Loan Fixed for Ten Years3

  • Borrow up to 100% of your home’s value, less the first mortgage balance.
  • Single advance
  • Terms up to 10 years
Apply Now




Maximum term on 95% LTV is 15 years with a 10 year draw period.

1 See tax advisor for tax deductibility.

1    APR = Annual Percentage Rate effective 3/29/2021. After fixed rate introductory period of 24 months, a variable rate applies and may adjust annually between Prime Rate, as listed in the Wall Street Journal, and Prime Rate plus margin of 1.50% depending on loan to value and credit history. Rate will not be lower than 4.75% APR and will not exceed 18.00% APR. Loan features a 15-year draw period and a 20-year repayment period. Current APR reflects best rate available based on less than 80% maximum combined loan-to-value (including prior mortgage liens). Properties securing home equity lines of credit must be secured by your primary single family residence located in Missouri and select counties in Illinois and Kansas. Property insurance will be required and flood insurance where necessary. Closing costs apply. All loans subject to approval. Rates, terms and conditions subject to change. NMLS#474385

2      APR–Annual Percentage Rate. Variable Rate Home Equity Line of Credit rates subject to change. Rates, terms and conditions may vary based on creditworthiness, qualifications or collateral conditions. After fixed-rate introductory period, APR may adjust annually between Prime Rate, as listed in the Wall Street Journal,  and Prime Rate plus a margin of 1.50% depending upon your loan-to-value and credit history at time of application. Rate will not be lower than 4.75% APR and will not exceed 18.00% APR.  All loans subject to approval. Properties securing home equity lines of credit must be secured by your primary single family residence located in Missouri and select counties in Illinois and Kansas. Up to 95% maximum combined loan-to-value (including prior mortgages or liens) and a $417,000 maximum for all combined mortgage balances on the property, including the new line. Property insurance will be required and flood insurance where necessary.

3      APR–Annual Percentage Rate.  Rates, terms and conditions may vary based on creditworthiness, qualifications or collateral conditions. Home equity loans must be secured by your primary single family residence with up to 100% maximum combined loan-to-value (including prior mortgages or liens) and a $417,000 maximum for all combined mortgage balances on the property, including the new loan amount. Properties securing home equity lines of credit/loans must be located in Missouri and select counties in Illinois and Kansas. Property insurance will be required and flood insurance where necessary.