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Home Equity Line of Credit

Home Equity Line of Credit

A popular choice for flexible borrowing over time.

Home Equity Loan

Home Equity Loan

A second mortgage to finance your one-time needs.

Smart Refinance

Smart Refinance

A no-fee option that can be a good choice for qualified homeowners.

Promotional Introductory Rate offer ends 5/11/14
6 month fixed introductory rate. Offer begins 3/3/2014. 6 month fixed introductory rate. Offer begins 3/3/2014.
variable rate (as of 3/3/2014) after introductory period.variable rate (as of 3/3/2014) after introductory period.

Rates are subject to change. Promotional offer ends 5/11/2014.

Four Ways to Get Started:

By Phone

800-445-5833

Online
By Request
In Person

Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. Using this calculator does not constitute an application for credit and we are not qualifying you for any credit product. We encourage you to seek professional advice from qualified U.S. Bank professionals regarding all personal finance issues. For specific tax advice, see a professional tax service provider.

  1. 1.99% Introductory Annual Percentage Rate (APR) is available on Equiline Home Equity Lines of Credit with a 70% or 80% loan-to-value (LTV) or less, depending upon the market. The introductory interest rate will be fixed at 1.99% during the six month introductory period. A higher introductory rate may apply for an LTV above 70%. Offer is available for new applications submitted from March 03, 2014 to May 11, 2014. Existing customers are eligible with at least a $20,000 increase in balance and commitment amount. After the six month introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of March 3, 2014, the variable rate for home equity lines of credit ranged from 3.99% APR to 8.99% APR. Higher rates may apply for a credit limit below $125,000 (depending upon the market), an LTV above 70% or 80% (depending upon the market), a low credit score and/or not having a U.S. Bank personal Package Checking account. The rate will not vary above 18% APR, or applicable state law, or below 1.99% APR. Choosing an interest only repayment may cause your monthly payment to increase, possibly substantially, once your credit line transitions to the repayment period. An annual fee of up to $90 may apply after the first year and is waived with a U.S. Bank personal Platinum Checking Package. See the Consumer Pricing Information brochure for terms and conditions that apply to U.S. Bank Package Checking accounts. The Equiline offer is subject to normal credit qualifications and program guidelines. Rates are subject to change without notice. Customer pays no closing costs, except escrow related funding costs. Property insurance is required. Consult your tax advisor regarding the deductibility of interest. Other restrictions may apply. Home Equity Loans and Lines of Credit and Deposit products are offered through U.S. Bank National Association. © 2014 U.S. Bank. Member FDIC.
    Equal Housing Lender Equal Housing Lender.

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