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Home Equity Line of Credit (HELOC)

Allows you to secure a convenient way to access the equity in your home with a "pay as you use" mentality.


  • You can have the same convenient access methods to your line of credit as provided with your Home Loan State Bank checking account by setting up your line of credit as overdraft protection to your designated checking account.
  • The rates are variable based on Wall Street Journal Prime (the index) + a margin that is subject to individual credit qualifications. All variable rates are subject to a daily adjustment, should a change in the index occur.
  • Terms available up to 10 years in most cases.
  • Lender pays all originating fees for credit lines of $100,000.00 or less.
  • Interest paid on your line of credit may be tax deductible, but please consult with your tax adviser.
  • Online access to view your account and make payments if you are one of our checking account customers subscribing to online banking.
  • Contact us for more information on the terms and costs of our Home Equity Line of credit product.