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Home Equity Line with Lock Option (HELLO)

Get a $50 gift card to The Home Depot at closing when you apply for your equity line by April 30, with offer code HELLO50.*

Draw what you need. Lock in your rate. 

Our Home Equity Line with Lock Option allows you to convert any or all of your line of credit from a variable rate to a fixed rate at any time. Make home improvements or repairs, consolidate high-interest debt, pay for school tuition or life events.

  • Low rates and easy payments
  • No closing costs
  • Borrow what you need, when you need it
  • Only pay on what you use
  • Lock any or all of your line to a fixed-rate advance
    • Choose your repayment term for the fixed-rate advance
    • Up to three fixed-rate advances at a time
    • As you pay down your balance, your available credit increases

It's easy to apply!

Call, click, or visit a branch to get started.

Already applied? Click here to check the status of your loan application.

To see important details, including additional rates and terms, visit the Consumer Loan Rates Page.

*Offer valid only for home equity line applications. Must apply with offer code HELLO50 between March 8, and April 30, 2021, to qualify for a $50 The Home Depot® gift card. Gift card to be issued at loan closing. Offer not valid toward existing St. Mary’s Bank loans. Offer subject to change without notice. St. Mary’s Bank is not affiliated with The Home Depot®. The Home Depot® is not a sponsor of this promotion. The Home Depot® is a registered trademark of Home Depot Product Authority, LLC.