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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.
Equiline - The Annual Percentage Rate (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 November 1, 2013, 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 (a 0.50% interest rate reduction ). The rate will not vary above 18% APR, or applicable state law, or below 3.25% APR. An annual fee of up to $90 may apply after the first year. Offer is subject to normal credit qualifications and program guidelines. Rates are subject to change without notice. Property insurance is required. Consult your tax advisor regarding the deductibility of interest. Other restrictions may apply. See the Consumer Pricing Information brochure for terms and conditions that apply to U.S. Bank Package Checking accounts. Home Equity Loans and Lines of Credit and Deposit products are offered through U.S. Bank National Association, Member FDIC. © 2013 U.S. Bank. Equal Housing Lender.