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For primary residences, eligible borrowers may access up to 80% of their home’s combined loan‑to‑value (CLTV).

If you want flexibility and ongoing access to funds, a Home Equity Line of Credit (HELOC) may be the better fit. If you prefer a fixed payment and know exactly how much you need, a Home Equity Loan (HELOAN) may make more sense.

HELOC
Best for ongoing or uncertain expenses. Variable interest rate.

HELOAN
Best for one-time projects/lump sum upfront. Fixed interest rate.

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The calculator assumes standard HELOC terms, including a variable interest rate, interest‑only payments during the draw period, and repayment of principal and interest during the repayment period. Actual terms may differ based on your specific loan agreement.

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New Retail Auto:
New Retail Autos are defined as vehicles from the current or previous model year. Also, a vehicle is considered new if it has not been previously titled or has fewer than 7,500 miles (i.e. dealer demonstrators).

Used Retail Auto:
Used Retail Autos are defined as vehicles no more than eight model years removed from the definition of new.

Yes. HELOC rates are variable and may change as the Prime Rate changes.

In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.

Applicants under 18 require a joint owner on the account.

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment". If you do not see this option available, please contact our customer support team at 7814556500 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at 7814556500 so we can help you.

The notification will disappear once your payment has posted to the Loan. Please allow 4-5 days for your payment to process before queuing another payment.

Within Online Banking, select your Loan and click on the specific payment you would like more information on. Then select "Breakdown" and you will be able to view the Principal and Interest breakdown of your loan payment.