Home Equity Line of Credit
As low as 5.49% APR* | Fixed for 10 months
*APR=Annual Percentage Rate. Prime Rate (currently 7.50%) with a minimum APR as low as 5.49% and a maximum APR of 18.00%. Rates current as of July 8, 2025, and are subject to change based on market conditions and borrower eligibility. Subject to credit approval. Your APR may be higher based on the prevailing variable-rate index value, your credit qualifications, the amount of your credit line, combined loan-to-value, and/or property type. Minimum credit line is $10,000. Ten-year draw period followed by a ten-year repayment period. Homeowner’s property insurance is required. Flood insurance may be required. Credit line together with any other mortgage(s) cannot exceed 80% of the property value on 1–4 family, owner-occupied properties. Offer does not apply to existing REGIONAL federal credit union credit lines. HELOC rate as low as 5.49% is fixed for 10 months then converts to the rate outlined in the credit agreement. Only Indiana residents are eligible.
Home Equity Line of Credit
When you’ve got big ideas, a Home Equity Line of Credit from REGIONAL helps you make them happen. Home improvements, major purchases, a dream vacation, college expenses, consolidate your credit cards or other loans – your Home Equity Line of Credit puts your big ideas within reach, with great variable rates and the flexibility of a line of credit. Apply online or contact a Loan Expert at 1-800-762-7419.
Home Equity Line of Credit Predisclosure
| Type | APR as low as |
|---|---|
| Variable rate line of credit | 5.49% |
Second Mortgage
When you choose a Second Mortgage, it is tied into your home loan, which means you may be able to deduct the interest you pay each month from your taxes (consult your tax advisor about deductibility). Borrow as much as 80% loan-to-value of your home with payments to fit your budget. Talk to a Lending Expert at 1-800-762-7419 today!
| Term | APR as low as |
|---|---|
| 5 Year | 6.50% |
| 7 Year | 6.75% |
| 10 Year | 7.00% |
| 15 Year | 7.25% |