Home Equity Line of Credit (HELOC)

The Home Equity Line of Credit (HELOC) is perfect for home improvement expenses that are due at different times.


  • No Closing Costs1
  • Lower rates and payments
  • No annual fees
  • Interest may be tax deductible2

Four Ways to Access Your HELOC Loan:

  • Online Banking Transfer
  • Phone Banking System Transfer
  • Write a Check
  • In person at any of our convenient locations

Home Equity Line of Credit (HELOC)

 Locked for 12 months
 then as low as 4.00%

1Appraisal cost is refunded, and additional closing costs of $350 are waived at closing for all new closed, less than or equal to 80% LTV, owner-occupied primary residence Home Equity Line of Credit loans with a limit of $10,000 to $200,000 when the home is not listed for sale. To qualify as a new loan, member must not have had a Landmark Home Equity or Line of Credit loan on the same home in the previous 12 months. Existing Landmark HELOCs may be modified for a $350 fee.

2Please consult your tax advisor for information.

3 1.99% APR available on owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Rate is variable. Additional rates and terms are available. Rate is locked for 12 months, then set at  Prime (recently 4.00%) or 3.99% APR, whichever is higher. Rate is subject to change after 12 months from closing date, and thereafter on the first business day after the effective date of any change in the Prime Rate as published in the Wall Street Journal. Interest only payments are available for the first 10 years; outstanding balance will then amortize based on the variable rate to be repaid in monthly payments over 180 months. Maximum rate 20%. Minimum credit line is $5,000. Early termination fee applies. Homeowners insurance required. Rates and terms subject to change. Appraisal cost of $85 to $350 required at time of application.