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Unlock the Power of Your Home's Value

Compare Flexible Options for Your Home Equity Loan Needs

Discover Our HELOC Options

Calculate Your HELOC Payment

Secure Your Future with a Fixed Rate Loan

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Understanding Home Equity Options

Understanding your home equity options is a crucial step in making informed financial decisions. Whether you’re looking to renovate your home, consolidate debt, or fund a major purchase, your home’s equity can be a powerful financial tool. By carefully evaluating these options, you can unlock the value built up in your home while ensuring you make choices that align with your long-term financial goals.

Success Through Home Equity

“Had them for over 7 years and love it. They are very proactive and there’s never a wait or lines when I go inside. I’m always greeted by name.”
Jasmine
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HELOC vs. Fixed Home Equity Loans

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E.g., Description
Most popular, all the perks
No perks, just the basics
Second-chance account
E.g., Monthly fee
$5
$0
As low as $5[1]
E.g., Earn points
True
False
False
E.g., Earn monthly dividends
True
False
False
E.g., Identity recovery service
True
False
False
E.g., Courtesy Pay available
True
True
False
E.g., Mobile deposit limits
$5,000/day; $10,000/month
$5,000/day; $10,000/month
$1,000/day; $2,500/month
E.g., No minimum balance required
True
True
True
E.g., Online and mobile banking
True
True
True
E.g., External account transfers
True
True
True
E.g., Card controls
True
True
True
E.g., Chip-enabled Visa debit card
True
True
True
E.g., Google Pay, Samsung Pay, and Apple Pay
True
True
True
E.g., Direct deposit available
True
True
True
E.g., Overdraft protection
True
True
True
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Your Questions Answered

  • A Home Equity Line of Credit (HELOC) is a revolving line of credit that uses your home as collateral. It works similar to a credit card – you can borrow up to a certain limit, repay, and borrow again during the draw period.

  • No, you only pay interest on the amount you actually borrow, not the entire credit line. This makes HELOCs a flexible and cost-effective borrowing option for many homeowners.

  • A fixed home equity loan provides a predictable repayment schedule with consistent monthly payments. You receive the entire loan amount upfront, and the interest rate remains the same throughout the loan term.

  • Qualification typically depends on factors like your credit score, home equity amount (usually requiring 15-20% equity), debt-to-income ratio, and income stability. Lenders will also review your payment history and overall creditworthiness.

Ready to Make the Most of Your Home's Value?

Take the first step towards financial empowerment by leveraging your home equity. Our personalized solutions help you unlock the potential in your biggest investment.

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