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Home Equity Line of Credit

Remodel this spring with our low 1.99% 6 month introductory rate!1

A U.S. Bank Home Equity Line of Credit (HELOC) allows you to borrow funds on an as-needed basis. And now our low 6 month introductory 1.99% APR makes scheduling your projects even easier!1


1.99% APR1 6 month fixed introductory rate. Offer begins 3/3/2014.

3.99% variable rate (as of 3/3/2014) after introductory period.

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

HELOC rates offer:

  • Competitive interest rates with no closing costs
  • Low monthly payments
  • Potential tax advantages

Apply Now | View Rates

Interest Rates

  • Competitive rates. View Rates
  • Contact your banker to see if there are any special offers in your area.

Access to Funds

  • Funds are available on the fourth business day after your loan documents are signed.
  • Access available funds on an as-needed basis without having to re-apply.
  • Transfer funds 24/7 using Online Banking.
  • Additional forms of funds transfer include check, telephone transfer, EquiLine Visa® Gold Access Card, or any U.S. Bank branch or ATM.


  • 30 years (10-year draw period and 20-year repayment period).1

Flexible Payment Options

  • Variable rate with Fixed-Rate Option.
  • The Fixed-Rate Option lets you lock in all or any part of your variable balance with a fixed rate after the 6 month introductory period.1
  • Other payment options include interest-only.

Fees and Costs

  • No application fees to open your account.
  • No closing costs.

Other Ways to Borrow

Four Ways to Get Started

By Phone


By Request
In Person

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Estimate my rate now

Four Ways to Get Started

By Phone


By Request
In Person
  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 products are offered through U.S. Bank National Association. See the Consumer Pricing Information brochure for terms and conditions that apply to U.S. Bank Package Checking accounts. Deposit Products are offered by US Bank National Association, Member FDIC. © 2014 U.S. Bank.
    Equal Housing Lender Equal Housing Lender.

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