If you'd like to manage your fixed rate options, just follow these steps:

Online banking 

For the best online banking experience, we recommend logging in at usbank.com.

1. Select your HELOC account from your profile dashboard.
2. Click on Lock or unlock a fixed rate from the shortcut menu on the right side of your screen.
   
   • If the Lock or unlock a fixed rate option doesn't display, you'll need to visit your local branch or give us a call at 800-USBANKS (872-2657). We accept relay calls.
3. Select Manage rates.
4. From the Calculate your payment screen, choose to unlock one of the available fixed rate options. Or, you may select your rate and term. 
   
   • If you are advancing funds, you will be prompted to choose the U.S. Bank account the funds are to be deposited into.
5. Select Calculate payment to preview the new payment under the terms and conditions that were selected.
6. Select Continue to reach the confirmation page where you may confirm or cancel the fixed rate option request.

U.S. Bank Mobile App 

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

1. Select your Home equity line of credit from the main dashboard.
2. Select Account Options, then Fixed Rate Option (FRO).
   
   • If this option doesn't display, you'll need to visit your local branch or give us a call at 800-USBANKS (872-2657). We accept relay calls.
3. Click on Manage rates. 
4. From the Calculate your payment screen, choose to unlock any available fixed rate options or choose create your new amount and term to lock.
   
   • If you are advancing funds, you will be prompted to choose the U.S. Bank account the funds are to be deposited into.
5. Select Calculate payment to preview the new payment under the terms and conditions that were selected.
6. Select Continue to reach the confirmation page where you may confirm or cancel the fixed rate option request.