Cost-effective and Flexible

Access funds as you need them and lock in a fixed rate on existing balances anytime.

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What's a Home Equity Line of Credit?

A U.S. Bank Home Equity Line of Credit (HELOC) allows you to borrow funds on an as-needed basis against the equity you have in your home. A HELOC can be ideal for major expenses such as remodeling your home, consolidating debt, buying a car, and more.

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HELOC Benefits

Ongoing Access to Funds

Funds are available on the fourth business day after you sign your loan documents. You can access available funds anytime during the draw period and transfer funds 24/7 using Online Banking when your loan is secured by a primary residence. You can also transfer by check, phone, EquiLine Visa® Gold Access Card, or at any U.S. Bank branch or ATM.

Payment Options That Fit Your Needs

Choose a variable rate with a fixed-rate option, or interest-only payments. The fixed-rate option lets you lock in all or any part of your variable balance with a fixed rate at any time. Use up to three fixed-rate options at one time. 15- and 20-year options are especially popular.

Competitive Rates

Our competitive HELOC rates help keep more money in your pocket, and special offers may be available when you apply. (Call for more details.)

Save on Fees, Closing Costs and Taxes

There are no application fees to open your account, and no closing costs. The interest you pay may even be tax-deductible (consult your tax advisor).

More Ways to Borrow: A Home Equity Line of Credit is a popular way for homeowners to finance major expenses and ongoing needs, but there are other home equity options to consider.

More questions? Check out our Home Equity FAQs, or give us a call at 866-829-2347.

Ready to get started? You can apply for a HELOC online or on the phone.

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