Use Your Home's Equity to Unlock Possibilities
With our limited-time Home Equity Line of Credit (HELOC) offer, you can access funds at a fixed rate of just 5.29% APR fixed rate for 6 months, then as low as 7.00% APR variable rate thereafter. Whether you're upgrading your home, simplifying your finances, or preparing for the unexpected, a HELOC gives you flexible, affordable borrowing power
Want flexibility to borrow on an as-needed basis?
A home equity line of credit may be what you need.
A home equity line of credit may be what you need.
Home Equity Line of Credit
up to a 120-month term
Up to 80% current lifetime value
$10,000 to $250,000 loan amount
APR as low as 7.00% variable
Home Improvements
Your home is more than just a place to live, it’s an investment. A HELOC gives you the freedom to fund renovations that enhance your lifestyle and could enhance your living experience.
Popular projects funded with a HELOC:
- Kitchen and bathroom remodels
- New flooring or roofing
- Outdoor upgrades like decks or landscaping
- Energy-efficient improvements
Why choose a HELOC for home upgrades?
- Borrow only what you need when you need it
- Flexible access to funds over time
- Potential to increase resale value
Ready to Take the Next Step?
With a 5.29% APR fixed rate for 6 months, then as low as 7.25% APR variable rate thereafter, now is the perfect time to tap into your home’s equity.
With a 5.29% APR fixed rate for 6 months, then as low as 7.25% APR variable rate thereafter, now is the perfect time to tap into your home’s equity.
Have a set budget? Consider our Home Equity Loan (HELO) for fixed payments and a clear payoff schedule. Whether you choose the flexibility of a HELOC or the structure of a HELO, we’re here to help you borrow smart. Talk to a banker to compare your home equity options.
Debt Consolidation
If you're juggling multiple high-interest debts such as credit cards, personal loans, or medical bills, a HELOC can help you consolidate them into one manageable monthly payment, often at a lower rate.
Benefits of consolidating with a HELOC:
- Lower your overall interest costs
- Improve your credit utilization ratio
- Free up monthly cash flow
- Reduce financial stress
HELOC vs. HELO for debt consolidation:
- HELOC offers flexibility and access over time
- HELO provides fixed payments and a structured payoff plan
Ready to Take the Next Step?
With a 5.29% APR fixed rate for 6 months, then as low as 7.25% APR variable rate thereafter, now is the perfect time to tap into your home’s equity.
Apply Now
Prefer predictability? Our Home Equity Loan (HELO) offers a fixed rate and term for confident debt payoff. Whether you choose the flexibility of a HELOC or the structure of a HELO, we’re here to help you borrow smart.
With a 5.29% APR fixed rate for 6 months, then as low as 7.25% APR variable rate thereafter, now is the perfect time to tap into your home’s equity.
Apply Now
Prefer predictability? Our Home Equity Loan (HELO) offers a fixed rate and term for confident debt payoff. Whether you choose the flexibility of a HELOC or the structure of a HELO, we’re here to help you borrow smart.
Emergency Funds & General Needs
From surprise medical bills to urgent car repairs, life doesn’t always go as planned. A HELOC gives you peace of mind with funds available when you need them most.
Why a HELOC is ideal for emergencies:
- Quick access to funds
- Only pay interest on what you use
- No need to reapply for each expense
Common uses:
- Medical expenses
- Vehicle repairs or replacement
- Temporary income gaps
- Travel or education costs
Ready to Take the Next Step?
With a 5.29% APR fixed rate for 6 months, then as low as 7.25% APR variable rate thereafter, now is the perfect time to tap into your home’s equity. Whether you choose the flexibility of a HELOC or the structure of a HELO, we’re here to help you borrow smart.
Apply Now
With a 5.29% APR fixed rate for 6 months, then as low as 7.25% APR variable rate thereafter, now is the perfect time to tap into your home’s equity. Whether you choose the flexibility of a HELOC or the structure of a HELO, we’re here to help you borrow smart.
Apply Now
Want peace of mind with predictable payments? A Home Equity Loan (HELO) offers stability with fixed monthly payments. Whether you choose the flexibility of a HELOC or the structure of a HELO, we’re here to help you borrow smart.
APR = Annual Percentage Rate. Interest rates are subject to change at any time and without notice due to changes in market conditions. All rates are subject to credit approval and property type approval based on bank policy guidelines. Rates above are based on a loan amount in excess of $50,000 to a consumer with good credit history, individual rates may vary.
1) HELOC programs are a variable rate product based on the Prime Rate as published in the Wall Street Journal. HELOC maximum interest rate is 18%. HELOC minimum interest rate is 3.75%. HELOC is subject to an annual fee of $65. Interest may be tax deductible, consult your tax advisor for more information. Rate subject to change daily. Introductory rate cannot be combined with any other offer.
2) HELO programs are a fixed rate product. The example provided is a $50,000 loan with a 10 year term. The estimated payment is $583.12 or 120 months of $11.66 per $1000 borrowed. Other fees may apply. Rates are subject to change daily. Interest may be tax deductible, consult your tax advisor for more information.
*Rates, terms, & conditions effective as of 10/31/2025. Variable rate subject to change daily. Offer subject to credit approval. Property insurance is required. Other restrictions may apply; see us for details. Offer eligible for new HELOC loans or HELOC loans rewritten with at least $25,000 in new credit. Minimum loan amount $10,000. Maximum loan amount $250,000. Floor rate of 3.75%. HELOC is subject to an annual fee of $65. STAR will pay up to $1,500 in closing costs. Rates applicable on lines with an LTV of 80% or less; APR may be higher depending on certain credit factors. Max APR is 18%. Prepayment penalty applies. Please consult your tax advisor regarding any deduction of interest.