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Rates and Terms

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Home Equity Line of Credit - Variable Rate, up to 80% Loan-to-Value

{{RatePlaceHolder}} APR

Rate adjusts monthly to Prime + .50%

The Annual Percentage Rate (APR) is variable and can change, up to a maximum rate of 18%. This maximum APR may be reached at the time of the first interest-only payment.

Rates listed are effective as of 8/2/2019, are not guaranteed and are subject to change without notice. Offer is subject to credit approval and collateral evaluation. Property insurance required. An appraisal may be required, which may result in a fee ranging from $0 to $1,000 and an appraisal vendor fee ranging from $0 to $50.00.

How Repayment Works

There is a 10-year draw period on the line of credit, during which you pay only interest on the amount you use. After the draw period, you enter a 15-year repayment period, during which you pay on both the principal borrowed amount and interest.

Additional Terms

  • $5,000 minimum loan amount
  • No origination fee
  • No closing costs unless an appraisal is necessary (fees listed above)
  • Property insurance required

More than just a great rate

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Easy Access

If you have an INTRUST deposit account, use online banking to advance funds from your line of credit to your qualified INTRUST deposit account.

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Line is Reusable

Use funds up to the established credit limit and as you repay the outstanding balance, that amount is available to use again during the draw period

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Up to 80% of your Home's Value

Less any amount you already owe on your home

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Online and Mobile Banking

View your real-time balance and make payments from your INTRUST deposit account and external accounts.

Learn more


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How large a line of credit can I obtain?

Enter the appraised value of your home along with the amount you still owe on your mortgage to estimate your potential credit limit.

Your Credit Limit


This calculator are provided for your convenience. The accuracy of the calculation is not guaranteed. It is not intended as an advertisement, a disclosure statement under any consumer law, or an offer of tax, legal, financial or investment advice, and the calculator is not guaranteed to be applicable to your circumstances. It is not a guarantee of the availability of any particular loan product or interest rate, or an offer to make a loan.