It’s about time your home equity started pulling its weight.

A home equity line of credit or a home equity loan puts the value of your home to work to provide funds for home improvements, vehicle purchases, college expenses, or debt consolidation.* You can choose the stability of a fixed home equity loan to build that new farmer’s porch you two have been talking about for decades or have the flexibility of a home equity loan just in case you end up putting Ashley through her sixth year of college -- this’ll be the year, we just know it. Either way, you’re putting the equity in your house back into your house.

Account Type APR As Low As** National Average What You Get
Home Equity Loan
For the stability of a fixed rate for a fixed term

4.99%
fixed APR

6.09%
fixed APR

  • We pay your closing costs — taxes may apply in FL, GA and NY 
  • 5-, 7- and 10-year terms available
  • Borrow from $5,000 to $500,000 
  • Up to 90% loan to value (LTV) (80% LTV for Texas residents)
  • Easy repayment with automatic transfers from checking or savings
  • 24/7 online account access
  • 1/2% rate discount with Express Advantage 
Home Equity Line of Credit
For the flexibility of using your money when you want it

3.25%*
variable APR

4.64%
fixed APR

  • No annual fee
  • We pay your closing costs — taxes may apply in FL, GA and NY 
  • Borrow from $5,000 to $500,000 
  • Up to 90% loan to value (LTV) (50% – 80% LTV for Texas residents)
  • Easy repayment with automatic transfers from checking or savings
  • Competitive variable rate adjusts quarterly
  • 24/7 online account access
  • Competitive variable interest rate adjusts quarterly
  • 1/2% rate discount with Express Advantage Interest-only repayment option available

let's go

*Andigo home equity loans and lines of credit applicable only for owner-occupied single-family homes, condominiums, town homes and one to four unit owner-occupied dwellings in Arizona, California, Florida, Georgia, Illinois, Massachusetts, Michigan, New Hampshire, New York, Pennsylvania, Texas or Wisconsin.

**APR (Annual Percentage Rate) is based on excellent credit history, and reflects a .50% discount for Express Advantage members (those with Andigo checking and direct deposit) who make automatic loan payments from an Andigo savings or checking account.

A fixed rate home equity loan: 4.99% APR based on a 5-year term. Your actual rate might be different and will be based on several factors, including creditworthiness, loan to value and term of the loan. Home equity loan payment example: A $50,000 loan with a 60-month term and a 4.99% APR is $945.28 per month.

For home equity lines of credit, a variable Annual Percentage Rate (APR) applies. It can adjust quarterly based on the Prime Rate as published in The Wall Street Journal 45 days prior to the rate change date.

National average rates provided by Datatrac, an unbiased research firm that monitors rates from over 20,000 financial institutions nationwide. These rates are effective 3/8/2016.

NMLS ID: 411839