Home Equity Line of Credit

There is money in your home!

From home improvements to higher education, a Home Equity Line of Credit can help make your dreams a reality. Apply today and enjoy:

  • No Closing Costs†
  • No Annual Fee
  • Minimum Payments – Interest-only during draw period
  • Revolving Credit Limit based on available equity in your home
  • Draw funds as needed, typically by check
  • No Pre-payment Penalty
  • Annual Percentage Rate (APR) as low as 4.50% APR
  • Variable interest rate based on Prime Rate
  • Up to 100% total loan-to-value
  • Minimum loan amount $10,000

Ready to get started?

Apply Now


*APR = Annual Percentage Rate. 10-year draw period. Minimum loan amount is $10,000. Current rate as low as Prime Rate minus 0.50% OR floor of 3.00%, whichever is greater. Rate will never go below 3.00% and will never go above 18.00%. Current Prime Rate is 5.00% as of June 13, 2018. Primary Residences only. Up to 100% Total Loan-to-Value for qualified loan. $250,000 maximum. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. †Fees and charges may apply.

Scient Service Centers will be closing at 1 PM on Monday, December 24 and closed all day on Tuesday, December 25 for Christmas. You can access your account any time through Online Banking or our Mobile App.