A home equity loan might be the right fit for you if:
You want to secure your loan using your home
You know exactly how much you need and want to receive your money up front
You prefer the peace of mind that comes with a fixed rate and fixed repayment terms over the life of the loan
You want your loan to be paid off over a defined period of time
Not sure whether a loan or line of credit is right for you?
Compare home equity loans and lines of credit side by side now.
Rates & Terms
Rates listed are effective as of 4/26/2019, are not guaranteed and are subject to change without notice. Rates vary depending on the loan-to-value ratio and/or reason for the loan, such as purchase, refinance or cash-out refinance. 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.
First Mortgage APR*
Second Mortgage APR*
Loan to Value
up to 70%
up to 80%
up to 90%
- 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.
Great rates, even better features
A home equity loan from INTRUST Bank doesn't just provide the money you need, but a number of additional features that make a lot of financial sense.
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
Flexible repayment terms
A variety of terms allows you to the select the best option for your budget
Receive a loan for up to 90% of your home's value
Use INTRUST Personal Online Banking to view the real-time balance of your loan and make loan payments directly from another INTRUST account