Relax with the security of a fixed rate and fixed monthly payments.

4.99% APR

FixedRate up to 10 years
Rate shown for loans:
-Up to 70% loan-to-value
-Consumer Checking Package with auto pay

What Is A Home Equity Loan?

A Home Equity Loan, also known as a Home Equity Installment Loan, is a great way to consolidate debt or pay for major expenses. A home equity loan gives you the security of fixed-rate payments on principal and interest for the life of the loan, a steady repayment schedule, and potential tax advantages.

Apply For Home Equity Loan Now | View Home Equity Loan Rates

Home Equity Loan Benefits

Competitive Fixed Rates and Flexible Terms

Our competitive home equity loan rates make it convenient to borrow what you need now and pay it back over time. Take as long as 30 years to pay back your home equity loan.

Quick, Convenient Access to Funds

Funds are disbursed in one lump sum and can be accessed from your account through The money is available on the fourth business day after you sign your loan documents for loans secured by a primary residence.

Affordable Monthly Payments

No surprises – your monthly payment amount stays constant for the life of the loan, and the interest you pay on your home equity loan may be tax-deductible. (Consult your tax advisor to learn more.)

No Up-Front Costs or Fees

There are no required application fees or closing costs for a Home Equity Loan, and the origination fee is optional.

More Ways to Borrow: A Home Equity Installment Loan is a popular way for homeowners to finance major expenses and ongoing needs, but there are other home equity options to consider.

  • Want flexible access to funds anytime you need them, plus competitive low rates? Then consider a Home Equity Line of Credit (HELOC).
  • If you owe less than $150,000 on your mortgage, a U.S. Bank Smart Refinance features no costs, a convenient application process, flexible terms and potential tax advantages.
  • Access your home’s equity and get cash at closing with a Cash-Out Refinance.

More questions? Check out our Home Equity FAQs, or give us a call at 866-829-2347.

Ready to get started? You can apply for a Home Equity Installment Loan online or on the phone.

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