Home Equity Line of Credit

Get 5.99% APR introductory rate for 6 months.

8.49% APR variable rate after introductory period

Enter your zip code to view local account options.

Looking to take on a big project? Hello, HELOC!


The key to financing your kitchen remodel or consolidating debt to a lower monthly payment? It might be found in your home's equity. Actually, you don't need to limit yourself. Anytime you need a significant amount of money you can access as a line of credit, consider a HELOC from Academy Bank. Its interest rate is lower than most credit cards.

  • Take advantage of your home's increased value
  • Access money whenever you need it and pay interest only until repayment period begins
  • Greenlight your home improvement projects, pay for higher education, create a financial safety net and more



What you get with our Home Equity Line of Credit:

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Fixed introductory rate special for 6 months
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Borrow up to 85% of your home's value (conditions apply)
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Low minimum monthly payments
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Annual fee waived with auto-draft payments
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Low or no closing costs
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A lower interest rate than most credit cards
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Easy access to your funds



















HELOC Rates

Introductory Rate for 6 Months Variable Rate After Introductory Rate
5.99% APR 8.49% APR
Great Rates. Fast Approval.
For more details about HELOCs, read through What You Should Know about Home Equity Lines of Credit, an official publication of the U.S. government.

For current rates and terms or questions about applying, call 844-207-9508. For current loan clients with questions about their account, log in to Online Banking or Mobile Banking and send us a secure message, Or, call or visit a branch for assistance. 
 
Wanting to run some numbers? Try out our Home Equity Line of Credit calculator and all of our other Financial Calculators too. 




































Subject to credit approval.  Subject to collateral approval.  Geographic restrictions apply.  Documentation requirements may apply.

1 For loans in MO and KS the 5.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a loan-to-value of 85% or less if auto-draft payments from a checking account with our bank or affiliate are established at the time the HELOC is opened. 5.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a Maximum LTV of 85% on loan amounts up to $200,000 and 80% on loan amounts over $200,000 and up to $250,000. On loan amounts over $250,000, the maximum LTV is limited to 70% depending on the loan amount. The introductory rate of 5.99% APR will apply for the first 6 months after the loan closes. After the 6-month introductory period, the APR may vary monthly, based on an index (Prime Rate as published in the Wall Street Journal) minus a margin of 0.01% with a rate floor of 6.24% and a rate ceiling of 18.00%. As of , the post-promotional period APR for Home Equity Lines of Credit is 8.49% with auto-draft payments from a checking account with our bank or affiliate.

If the loan is a 2nd lien, and the appraised value is greater than $1MM but less than $2MM, the maximum LTV is 70%.  If the loan is a 2nd lien and the appraised value is greater than $2MM, the maximum LTV is 65%.

Valid on owner-occupied and second homes only (second home maximum LTV of 60%). Not available on home purchase transactions, non-traditional housing, or manufactured housing. Maximum allowed combined loan-to-value for all obligations secured by the property may not exceed 85% of the value of your home subject to our standard credit underwriting; maximum loan amount varies by combined loan-to-value ratio of your home.

For loans in CO the 5.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a loan-to-value of 80% or less if auto-draft payments from a checking account with our bank or affiliate are established at the time the HELOC is opened. 5.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a Maximum LTV of 80% on loan amounts up to $200,000 and 75% on loan amounts over $200,000 and up to $250,000. On loan amounts over $250,000, the maximum LTV is limited to 65% depending on the loan amount. The introductory rate of 5.99% APR will apply for the first 6 months after the loan closes. After the 6-month introductory period, the APR may vary monthly, based on an index (Prime Rate as published in the Wall Street Journal) minus a margin of 0.01% with a rate floor of 6.24% and a rate ceiling of 18.00%. As of , the post-promotional period APR for Home Equity Lines of Credit is 8.49% with auto-draft payments from a checking account with our bank or affiliate.

If the loan is a 2nd lien, and the appraised value is greater than $1MM but less than $2MM, the maximum LTV is 65%.  If the loan is a 2nd lien and the appraised value is greater than $2MM, the maximum LTV is 60%.

Valid on owner-occupied and second homes only (second home maximum LTV of 55%). Not available on home purchase transactions, non-traditional housing, or manufactured housing. Maximum allowed combined loan-to-value for all obligations secured by the property may not exceed 80% of the value of your home subject to our standard credit underwriting; maximum loan amount varies by combined loan-to-value ratio of your home.  

For loans in states other than MO, KS and CO, the  5.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a loan-to-value of 75% or less if auto-draft payments from a checking account with our bank or affiliate are established at the time the HELOC is opened. 5.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a Maximum LTV of 75% on loan amounts up to $200,000 and 70% on loan amounts over $200,000 and up to $250,000. On loan amounts over $250,000, the maximum LTV is limited to 60% depending on the loan amount. The introductory rate of 5.99% APR will apply for the first 6 months after the loan closes. After the 6-month introductory period, the APR may vary monthly, based on an index (Prime Rate as published in the Wall Street Journal) minus a margin of 0.01% with a rate floor of 6.24% and a rate ceiling of 18.00%.  As of , the post-promotional period APR for Home Equity Lines of Credit is 8.49% with auto-draft payments from a checking account with our bank or affiliate.

If the loan is a 2nd lien, and the appraised value is greater than $1MM but less than $2MM, the maximum LTV is 60%.  If the loan is a 2nd lien and the appraised value is greater than $2MM, the maximum LTV is 55%.

Valid on owner-occupied and second homes only (second home maximum LTV of 50%). Not available on home purchase transactions, non-traditional housing, or manufactured housing. Maximum allowed combined loan-to-value for all obligations secured by the property may not exceed 75% of the value of your home subject to our standard credit underwriting; maximum loan amount varies by combined loan-to-value ratio of your home.

2 Property insurance and, if applicable, flood insurance must be in effect on the property securing the account. Third party fees and closing costs in connection with new requests for loan amounts between $10,000 to $350,000 are paid on your behalf to the appropriate providers of service if auto-draft payments from a checking account with our bank or affiliate are established at the time the HELOC is opened. If you reside in one of the following states or the collateral used for securing a Home Equity Line of Credit is located in NY, MD, LA, GA, MN, TN, VA, or FL, you may be required to pay a portion of or all of the required transfer or recording taxes due and/or recording charges required. If, at any time, automatic payments are terminated by you, the margin pricing will be changed to an index (Prime Rate as published in the Wall Street Journal) plus a margin of 1.50% with a rate floor of 6.24% and a rate ceiling of 18.00%. The Annual Fee of $50 will be assessed on the next anniversary date of the account, if applicable, during the remainder of the 10-year Draw Period.

Without auto-draft payment from an account with our bank or an affiliate, your 6-month Introductory Annual Percentage Rate is 6.50%. After the introductory period, the APR may vary monthly based on an index (Prime Rate as published in the Wall Street Journal) plus a margin of 1.50% with a rate floor of 6.24% and a rate ceiling of 18.00%.  As of , the post-promotional period APR for Home Equity Lines of Credit is 10.00% without auto-draft payments from a checking account with our bank or affiliate. A $50 Annual Fee is assessed beginning on the anniversary date of the line of credit for the duration of the 10-year Draw Period. Not available in TX.

3 The annual fee of $50 after 12 months is waived if auto-draft payments from a checking account with our bank or affiliate are established at the time the HELOC is opened.

4  For loan amounts not between $10,000.00 to $350,000.00, or the Home Equity Line of Credit is not established with Automatic Payments at the time the Home Equity Line of Credit is opened, third party fees and closing costs may be due from the applicant(s).

If there is an existing Plan, with our bank, being refinanced, closing costs may be waived if the application is to increase a line amount on a current Plan by at least 20% (not to exceed $350,000). If the applicant does not meet this criteria, if the request is less than $10,000 or more than $350,000, or if the Plan is not established with Automatic Payments at the time the Plan is opened, the third party fees and closing costs will be required to be paid by the applicant(s). Refinanced, existing HELOC Plans are not eligible for introductory rate promotions offered to new HELOC Plans.