*APR = Annual Percentage Rate. ** Prime currently 4.75%. Borrow up to 80% of your home’s equity. 15 years financing. No closing costs. The lifetime rate cap on our Home equity LOC is 16%. Receive free checks to access your line of credit. $199 application fee refunded at time of closing, if approved. Some restrictions apply. More rates and terms available. See a loan officer for complete details. Equal Housing Lender. Rate effective as of January 1, 2020.