HELOC/Home Equity Loan
Dream bigger
Tap into your home's value to cover the big ticket items in your life.
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Unlimited possibilities
Our HELOC (Home Equity Line of Credit) and Home Equity Loan turn dreams into reality. From home renovation to covering additional financial needs such as emergencies or college expenses. The possibilities are endless.
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Check Loan Status- Make your home beautiful
- Pay for tuition
- Consolidate debt
- And whatever else you can dream of
Home Equity Line of Credit
A SkyOne HELOC can make lasting home improvements well within your reach.
- Industry low rate of 3.99% APR*
- 7-year draw period
- Revolving credit line of up to $200,000
Home Equity Loans
Making a big, one-time purchase? This lump sum loan is the perfect fit.
- Locked in rates
- Loans up to $200,000
- Up to 20 years for repayment
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Rates
Rates
Home Equity Loan Rates
Rates Effective as of: 12-05-2024
Rate/APR* Rate Type Term 5.99% Fixed 60 months 5.99% Fixed 120 months 6.24% Fixed 180 months 6.74% Fixed 240 months Home Equity Line of Credit (HELOC) Rates
Rates Effective as of: 12-05-2024
Rate/APR* Rate Type Term 3.99% Variable Up to 180 months Disclosures
*APR=Annual Percentage Rate. 1) Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. 2) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 3) Minimum Credit Limit: $10,000. 4) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 5) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the loan. 6) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% would be $161.04.
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FAQs
Frequently Asked Questions
Fast decisions
Fill out your Home Equity Loan/HELOC application online and hear back from us in no time.
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Disclosures
*APR=Annual Percentage Rate. Advertised rates for Home Equity Line of Credit (HELOC) include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. Not all applicants will qualify for the lowest rate.
HELOC: 1) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum Credit Limit: $10,000. 3) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 4) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the loan. 5) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $161.04. 6) HELOC APR is variable. 7) Homeowners insurance is required.
Home Equity Loan: 1) Maximum loan amount: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum loan amount: $10,000. 3) Payment example: a $50,000 Home Equity Loan with a 120-month term with a rate of 5.99% APR has a monthly payment of $555. All loans are subject to approval. Third party fees may occur.
Equal Housing Lender
