Finance Larger Expenses in Life with a
Home Equity Line of Credit (HELOC)

Leverage the equity in your home and take advantage of our current HELOC promotional rates to finance your next home improvement project (or any of life’s big expenses).

New and Existing HELOC Clients Receive

4.99% APR*
for 6 months on new advances.

Followed by variable rate as low as

6.25% APR*
  • Quick and easy approvals
  • Fast closings
  • No certified appraisal necessary
  • Flexible terms, including interest-only payments during draw period


*APR is Annual Percentage Rate. Rates shown are effective 1/1/2023. 4.99% APR is an introductory rate, fixed for the first 6 months, to clients who establish a new Home Equity Line of Credit (HELOC) or new advance within promotional period. After 6 months, loan converts to a variable rate as low as 6.25% APR. Primary residences only. Refinanced Home Federal loans will not qualify. Maximum loan amount is $250,000. Maximum rate is 18% APR. Property insurance is required. Closing costs include bank fees of $140 and 3rd party fees ranging from $209.10 to $772.60. Interest-only payments during 2-year draw period are followed by a 10-year fully amortizing repayment period. Other home equity lines may be available. Consult a tax advisor regarding deductibility of interest. Subject to normal credit criteria, other restrictions may apply. This is not a commitment to lend. Offer is subject to change without notice.


Stop by your local Home Federal or contact one of our personal bankers for more details.

Don’t wait! Rates are accurate as of January 1, 2023 and are available for a limited time.