Personal Banking

Pay-off high-rate credit cards with a home equity line

Consolidating debt with a home equity line can eliminate high credit card interest and lower your monthly payment immediately.

Stack of credit cardsWhat's more, the total amount that you pay in interest charges could be greatly reduced, and any interest that you do pay may be tax-deductible. You should consult your tax advisor regarding your individual situation.

Smart solutions for managing debt

  • Pay off high-rate credit cards
  • Lower your interest rate
  • Qualify for potential tax deduction
  • Simplify paperwork with single monthly bill

View today's current rates

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Apply online today!

Setting up your home equity line is easy - just apply online and get your answer in 30 seconds!

Questions? Contact our Customer Solutions Center at (800) 475-2265 or send us an email.


2.99% Annual Percentage Rate home equity line is for the initial 6 months. After the initial 6 months, the rate becomes Prime + .75% on lines of $150,000 or more; Prime + 1.00% on lines of $75,000 - $149,999; Prime + 1.25% on lines of $25,000 - $74,999. Rates shown in effect as of 01/31/2011. Your APR will vary monthly if the Prime Rate changes, but will not exceed 18.00% or be less than 3.99%. Check The Wall Street Journal for current rates. Early closure fee of 1% of face amount or $495, whichever is greater, will apply if line is prepaid within the first year; .5% of face amount or $295, whichever is greater, will apply if line is prepaid during the second year; Freedom Plus Checking account required. Annual fee of $50 waived for the first year. Some home improvement projects may be subject to inspection fees and a satisfactory completion certificate. Subject to recording fees of approximately $70. Trust review fees of $100-$200 may apply if property is held in a trust. Not intended for homes currently for sale or intended to be sold within 12 months of closing. Offer available for new lines only. Other restrictions may apply. Property insurance is required. Flood insurance where required by law. Single-family, owner-occupied primary residences or second homes only. Maximum loan-to-value of 80%. Subject to credit approval. Offer available for a limited time only and may be withdrawn at any time. MEMBER FDIC