Home improvement is a never ending project. Let us help!

  • With a Home Equity Line of credit you can tackle task after task.
  • Once open you can draw on your line of credit again and again for 5 years.

Payment options

  • 1.00% of balance
  • 2.00% of balance
Floor Ceiling
Interest Rate 4.50% 10.50%
APR 4.50%¹ 10.50%²

*Based on Wall Street Journal Prime Rate + 1.00%
*Rates effective as of 10/13/2017

Loan Types
  • Secured
Purpose
  • Home improvement
  • Purchases
  • Debt consolidation
  • Unexpected expenses
Collateral
  • Secured: Real estate
Repayment Term
  • 1.00% of 2.00% of principal balance + accrued interest
Rate Options
  • Adjustable
Other Fees
  • Loan origination fee
  • Appraisal fee
  • Title Insurance
  • Filing cost, if applicable
  • Flood search

Speak to a lender – Call 620.342.3523

Important Information

1.) Annual percentage rate (APR) is based on the New York Prime Rate published by the Wall Street Journal plus a margin of 1.00%.

2.) APR is based on the Maximum Lifetime Rate of 10.50%.

*Sample payment information based on estimated loan information

  • Minimum Payment Example: If you made only the minimum payments and took no other credit advances, it would take 60 months to pay off a credit advance of $10,000 at an APR of 4.500%. During that period, you would make 59 payments varying between $200.76 and $77.27 and one final payment of $3,800.77.
  • Maximum Rate and Payment Examples: If you had an outstanding balance of $10,000, the minimum payment at the maximum APR of 10.500% would be $201.78. This APR could be reached in the 1st rate adjustment of the Draw Period.

*Loans subject to credit approval; terms and conditions apply. Minimum line of credit amount is $10,000. Rates and terms are subject to change without notice. Other conditions may apply. Contact the Loan Department for full details.