Get started today

Submit a contact request online or visit a banking center.

Home Equity Loan Rates

Term First Mortgage APR* Second Mortgage APR* Loan to Value
121-180 Months 5.00% 6.00% up to 70%
61-120 months 5.00% 6.00% up to 80%
12-60 months 5.00% 6.00% up to 90%

Rates listed are effective as of 5/10/2019, are not guaranteed and are subject to change without notice. Lien position, LTV and term can adjust the rate. Purpose doesn't impact rate. 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-$33.70. Customer qualifies for a first mortgage if the home is paid off or INTRUST is refinancing the loan.

Customer qualifies for a second mortgage if payments are still being made on the first mortgage and it is not being refinanced by INTRUST.

  1. Disclosed APR assumes actual closing costs paid by the customer, a $75,000 loan with 120 month term. Loans secured by property in Kansas would have closing costs of approximately $215. These costs may be added to the loan amount and are not required to be paid out of pocket. For example: a first mortgage loan with an APR of 5.00% would result in a payment of $795.49. A second mortgage loan with an APR of 6.00% would result in a payment of $832.65.

*Annual Percentage Rate will be 0.25% higher if the payments are not automatically deducted from an INTRUST Bank checking account. If an escrow account is required or requested, the actual payment will be greater to include payment for real estate taxes and homeowner’s insurance premiums.

Download our home equity loan checklist

More than just a great rate

Orange Divider
Percent sign outline

Fixed Rates

The annual percentage rate is fixed throughout the life of the loan, so there's no need to worry about the rate or payment amount changing

Financial statement document outline

Flexible Repayment Terms

A variety of terms allow you to select the best option for your budget

Outline of house

Maximum Equity

Receive a loan for up to 90% of your home's value

Banking outline

Free Online and Mobile Banking

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

Monthly Payment Calculator

Orange line

What will my monthly payments be?

Enter the amount you’re looking to borrow along with your desired repayment term and loan rate to estimate your monthly payment.

Your Total Monthly Payment

$192

This calculator is 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.