Home Equity Line of Credit Promotion

APR is based on Wall Street Journal Index plus margin.
APR will not go below 4.00% (floor) or exceed 21.00% for CO, IA, MN & WI borrowers.

¹The introductory APR (Annual Percentage Rate) and closing cost credit are available for applications submitted 08/01/2025 to 08/31/2025 on applicant’s primary or secondary residence only. Collateral must not be listed for sale to receive this promo. Following the introductory period the APR is variable based on the index, margin and applicable credit limit tiers. Minimum of $5,000.00 new credit line required. Any time autopay is discontinued the APR will increase by 1.00%. Estimated closing costs range from $0.00 to $734.60 and fees may vary by state and loan amount. Homeowners insurance is required. Flood insurance is required, if applicable. This offer is subject to change without notice and this special may not be combined with any other promotional offer. Subject to credit approval and property eligibility.

²Fixed Rate Repayment Option (FRRO) is available 08/01/2025 to 08/31/2025. Your variable rate Home Equity Line of Credit (HELOC) terms remain the same and no terms are changed by use of the FRRO. Term of the FRRO may not exceed the term of the HELOC. No more than three (3) FRROs outstanding at any one time per HELOC. Repayment can be up to ten years (15-year amortization may be available depending upon the loan amount) or the remaining Draw Period of the HELOC if less; term of FRRO cannot be less than one year. Minimum amount that can be fixed is $5,000.00. No amount can be added to the FRRO after it is established. Each FRRO will have a payment amount determined by applying the rate to the amount for the term and producing equal monthly payments over the term of the FRRO. The unpaid principal balance is part of the maximum HELOC Credit Limit, and any principal portion of each payment will replenish the HELOC credit limit as of the date a payment is posted. Fixed Rate Repayment Option fee may apply and will be included in the FRRO amount. FRROs will be billed separately from variable rate advances and payments will include principal and interest. See a banker to discuss your options and to apply. Actual APR may vary based on loan amount. Rates are subject to change without notice. Subject to credit approval. Contact us for current APRs and details.