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HELOC/Home Equity Loan

Dream bigger

Tap into your home's value to cover the big ticket items in your life.

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  • Unlimited possibilities

    Our HELOC (Home Equity Line of Credit) and Home Equity Loan turn dreams into reality. From home renovation to covering additional financial needs such as emergencies or college expenses. The possibilities are endless.

    Already filled an application? Check Loan Status
    • Make your home beautiful
    • Pay for tuition
    • Consolidate debt
    • And whatever else you can dream of

    Home Equity Line of Credit

    A SkyOne HELOC can make lasting home improvements well within your reach.

    • Industry low rate of 9.24 APR*
    • 7-year draw period
    • Revolving credit line of up to $200,000

    Home Equity Loans

    Making a big, one-time purchase? This lump sum loan is the perfect fit.

    • Locked in rates
    • Loans up to $200,000
    • Up to 20 years for repayment

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  • Rates

    Rates

    Home Equity Loan Rates

    Rates Effective as of: 03-19-2024

    Rate/APR*Rate TypeTerm
    9.49% Fixed60 months
    9.49%Fixed120 months
    9.74%Fixed180 months
    10.24%Fixed240 months

    Home Equity Line of Credit (HELOC) Rates

    Rates Effective as of: 03-19-2024

    Rate/APR*Rate TypeTerm
    9.24%Variable Up to 180 months

Fast decisions

Fill out your Home Equity Loan/HELOC application online and hear back from us in no time.

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Questions? Talk to an expert. 800.421.7111

Disclosures

HELOC: *APR=Annual Percentage Rate. Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. Not all applicants will qualify for the lowest rate. 1) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum Credit Limit: $10,000. 3) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 4) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the loan. 5) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $161.04. 6) HELOC APR is variable. 7) Homeowners insurance is required. Third party fees may occur. 8) Closing costs typically range from $1100 to $2500, depending upon the property’s location.
 
Home Equity Loan: *APR=Annual Percentage Rate. Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. Not all applicants will qualify for the lowest rate. 1) Maximum loan amount: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum loan amount: $10,000. 3) Payment example: a $50,000 Home Equity Loan with a 120-month term with a rate of 9.24% APR has a monthly payment of $639.89. All loans are subject to approval. Third party fees may occur. Equal Housing Lender 4) Closing costs typically range from $1100 to $2500, depending upon the property’s location.