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Home Equity Line with Lock Option (HELLO)

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 and term. Make home improvements or repairs, consolidate high-interest debt, pay for school tuition or life events — without worrying about rising rates.

  • 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.