HELOCs funded on or after October 1, 2021 will receive Prime plus 0% for the life of the loan term. Offer and rates are subject to change without notice. Third-party fees apply. An appraisal fee will be charged for HELOCs over $400,000. California properties only.

The HELOC rate is variable and subject to increase during the loan term. Rate is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (“Index”). The floor rate is equal to the Index published at the time of loan application. The lifetime maximum variable APR is 18.00%. Equity lines have a 10-year draw period and a 10-year repayment period for a total term of 20 years. Payments during the 10-year draw period are interest only.

The rate example shown here is based on an owner-occupied single-family detached house located in the state of California with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income. All loans and terms are subject to credit approval, and not all applicants will qualify. Some restrictions may apply.

Fixed Rate Home Equity Loan payment example: The Fixed loan payment is based on a loan amount of $250,000, 60% Combined Loan-to-Value (CLTV), and a FICO^® score of 750 or greater. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

HELOC payment example: A HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), and a FICO^® score of 750 or greater will have a monthly payment of $677.08. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.