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 1.99%3
Regular Rate 4.50%

1 A fee of $85 to $355 may be required. All fees collected are refunded at closing for 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. Homeowners insurance required. Existing Landmark HELOCs may be modified for a $350 fee.

2 Please consult your tax advisor for information.

3 1.99% APR available on loans for owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Rate is locked for 12 months, then set at Prime (recently 5.00%) minus 0.50 percentage points, or 3.99% APR, whichever is higher. Rate is variable. Rate is subject to change after 12 months from closing date, and thereafter on the first business day following 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. Additional rates and terms are available.

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