Skip to content
Line of Credit

Access Your Equity, On Your Terms

A home equity line of credit gives you ongoing access to funds when you need them. Borrow what you need, pay it down, and use it again. It’s a flexible way to put your home’s equity to work.
Apply Now Talk to Us
Family laughing while looking at laptop
Get StartedChevron down
Apply Now (link) Schedule Time (link)

  • Access funds as needed

  • Only pay interest on what you use

  • Reuse funds as you repay

  • Flexible borrowing over time

How it Works

Borrow. Repay. Use Again.

A line of credit works differently than a traditional loan. Instead of receiving one lump sum, you get access to a set credit limit. Use what you need, pay it back, and keep that access available over time. 

Featured / Current Rates

Rates that help spark what’s next. From vehicles and homes to savings and certificates, explore our current featured rates.
View All Rates
3.04
% APY*
Interest-Earning Account
5.49
% APY*
Auto Loans
6.50
% APY*
30-Year Fixed Mortgage
4.35
% APY*
12 Month Certificate
Benefits

Why Choose a Line of Credit

A line of credit gives you flexibility that a traditional loan doesn’t. Here’s how it can work for your situation. 
Flexible Access Use Funds As Needed

Access funds when you need them instead of taking a lump sum upfront. A line of credit lets you borrow over time, making it a strong option for ongoing expenses or projects that happen in stages.
Pay for What You Use Only Pay On What You Borrow

You only pay interest on the amount you actually use, not your full credit limit. That can help you manage costs more effectively and avoid paying for funds you don’t need. 
Ongoing Access Borrow Again Over Time

As you repay your balance, your available credit replenishes. That means you can continue to draw from your line of credit without needing to reapply for a new loan. 
Estimate Your Access

See What You Could Borrow

Estimate how much you may be able to access and what your payments could look like. It’s a simple way to explore your options before moving forward.
FAQs

Line of Credit, Broken Down

Have questions about how a line of credit works? Here are a few common ones to help you understand your options and feel confident moving forward. 
Talk to Us

What is a line of credit?

A home equity line of credit gives you access to funds you can draw from as needed, instead of receiving a lump sum upfront.  Optional Link

How is it different from a home loan?

A loan gives you funds all at once. A line of credit lets you borrow, repay, and borrow again over time.

  • Unlike a home equity loan, a line of credit lets you borrow, repay, and borrow again during your draw period, offering more flexibility over time. 

How do payments work?

During the draw period, payments may be lower and based on what you’ve borrowed. After that, you’ll repay both principal and interest. 

What can I use it for?

Home projects, unexpected expenses, or ongoing financial needs. It’s built for flexibility.  Optional Link

What's a HELOC vs. a home equity loan?

A home equity loan gives you a one-time lump sum with a fixed rate and set monthly payments. A HELOC works more like a credit line you can draw from over time, often with a variable rate. We’ll help you compare both so you can choose what fits your situation. 

Ready When You Are

Use it When You Need it

Whether you're ready to apply or just exploring your options, we’re here to help you use your home’s equity in a way that fits your needs, whether it’s now or later. 
Apply Now Schedule Time