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Home Equity Loans & HELOC

Unlock the Power of Your Home's Equity

Your home is more than a place to live. It's one of your greatest financial assets. We believe you should have the freedom to use that equity to achieve your goals. Whether you're upgrading your home, consolidating debt, paying for education, or planning a big milestone, your home's equity can put your goals within reach, on your terms and timeline.

Our mission is simple: help you turn your home's value into opportunities that matter to you. Apply online or talk to a specialist today!

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We Make It Simple

Straightforward Process: Apply online in minutes or speak with a lender who will guide you every step of the way.
Support at Every Step: Real, local people ready to help you compare options and tailor your borrowing.
Flexible Options: Choose between predictable fixed payments or a revolving line of credit for ongoing access to funds.
Convenient Access: Manage your account anytime, anywhere with our secure online and mobile banking tools.

Flexible Options

Two smart ways to borrow—Fixed Term Home Equity Loan or Home Equity Line of Credit (HELOC)—so you can move forward with confidence.

Fixed Term Home Equity Loan¹

Best for: One-time expenses and predictable monthly payments.
How it works: Borrow a lump sum upfront at a fixed rate secured by your home's equity.

Benefits:

Fixed monthly payments of principal and interest
Flexible terms available
Borrow up to 90% of your home's appraised value (including all liens)
Common Uses: Debt consolidation, home improvement project, medical expenses, vehicle purchase, significant expenses.

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Home Equity Line of Credit (HELOC)²

Best for: Ongoing access to funds and flexible repayment.
How it works: A revolving line of credit secured by your home's equity.

Benefits:

HELOC features a 10-year draw period followed by a 15-year repayment period.
During the draw period, make either monthly interest-only or monthly principal and interest payments.
During the repayment period, make monthly principal and interest payments.
Variable Rate Line of Credit
Fixed Rate Loan Option: Lock in a fixed rate and payment for the following terms:
- Terms up to 10 years for amounts between $5,000 and $20,000.
- Terms up to 15 years for amounts between $20,001 and $50,000.
- Terms up to 20 years for amounts $50,001 or greater.
Easy access: Withdraw as needed, transfer directly to your checking account, and make payments anytime through online & mobile banking.
Draw funds as needed without reapplying.
Common Uses: Home renovations, education expenses, medical bills, major life events.

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Which Option Is Right for You?

"I need a lump sum and predictable payments." Choose a Fixed Term Loan.
"I want to consolidate my payoff date." Choose a Fixed Term Loan.
"I want flexible access and only pay for what I use." Choose a HELOC.
"I prefer a revolving line of credit I can tap into as needed." Choose a HELOC.

Still not sure? Talk to one of our experts—we'll help you find the right fit.

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General Disclosures

Terms and conditions are subject to change without notice.

Please consult a loan specialist for personalized rate and payment information.

Subject to credit approval. All home equity loans and lines of credit are subject to credit approval and property eligibility.

Interest on home equity loans and lines of credit may not be tax deductible if the loan amount exceeds the fair market value of your home or is used for non-qualified purposes. Consult your tax advisor.

¹Home Equity Loan Disclosures

Fixed Rate Loans: The Annual Percentage Rate (APR) is fixed for the life of the loan. The APR will be disclosed at the time of application and may vary based on creditworthiness, property value, and loan amount.

Repayment Terms: Terms available up to 20 years. Monthly payments include principal and interest. Payments do not include taxes or insurance, which may be required separately.

Loan-to-Value (LTV): You may borrow up to 90% of your home’s appraised value, including all existing liens.

Fees and Costs: Closing costs may apply. These may include appraisal, title, and recording fees. Contact us for a fee estimate.

²HELOC Disclosures

Annual Percentage Rate (APR): The APR will be disclosed at the time of application. APRs will vary and are based on the Prime Rate, as published by The Wall Street Journal, and a margin value based on your creditworthiness, property value, and loan amount.

Draw and Repayment Periods: 10-year draw period followed by a 15-year repayment period. During the draw period, monthly payments may be interest-only or principal and interest. Principal repayments during the Draw Period replenish the available credit line and are available for future draws. During the repayment period, monthly principal and interest payments are required. Payments do not include taxes or insurance, which may be required separately.

Fixed-Rate Conversion Option:

You may convert a portion of your HELOC balance to a fixed rate loan with a defined term. Available to new and existing HELOCs.
To be eligible, your LifeStore HELOC must be within its draw period plus repayment period. Fixed Term must be in 12-month increments.
The amount requested must be within the available balance of your HELOC. The minimum amount to establish a Fixed Rate Option is $5,000.
Terms Available:
- $5,000–$20,000: Up to 10 years
- $20,001–$50,000: Up to 15 years
- $50,001 and above: Up to 20 years
Monthly payments are fixed based on the amount and term selected.
APRs will vary and are based on the index value for fixed-rate options in effect at the time a Fixed Rate Option is established; and a margin value based on your credit qualifications, the repayment term of the Fixed Rate Option, the amount of the transfer, the property type, loan to value, lien position established at the time of application. Once a Fixed Rate Option is established, the APR for that Option will not change.