Apply for a HELOC online today
Today's HELOC Rate:
Rate change:
7.000% APR¹
The Annual Percentage Rate (APR) is variable. Rates range from 7.000% APR to 11.750% APR and will not exceed 18% APR. Property insurance and flood insurance, if applicable, are required. See Home Equity Early Disclosure for fees and terms.
Try our Fixed-Rate Option
HELOC rates are usually lower than other credit lines and loans, making them a great option for homeowners. Rates vary based on market factors and creditworthiness.
HELOC interest rates change over time, but you can convert all or part of your balance to a Fixed-Rate Option² for up to 20 years. Once fixed, your rate won’t increase, ensuring stable monthly payments even if interest rates rise.
Draw and repayment
A HELOC is a revolving credit line. As you make purchases, your balance increases and available credit decreases. Payments reduce your balance, freeing up more credit.
HELOCs have two phases: the draw period (up to 10 years), where you can access funds and make interest-only payments, and the repayment period (up to 20 years), with principal and interest payments.
There’s no penalty for early payoff, and interest may be tax-deductible. Consult a tax advisor for details.
Flexibility
HELOCs offer flexibility. You can borrow what you need, when you need it, up to your credit limit. This makes HELOCs ideal for expenses that may come in waves, such as home renovations. But that’s just the tip of the iceberg. HELOCs have many great uses.
Calculate how much you can borrow
Your Results
Based on the information you entered, these are your results:
| Minimum HELOC Amount | |
|---|---|
| Minimum Amount $5,000 | Monthly Payment $50 |
| Maximum HELOC Amount | |
|---|---|
| Maximum Amount $75,000 | Monthly Payment $437 |
We're sorry. You may not qualify for a HELOC.
You entered your home's estimated value at $250,000.
In order to qualify for a HELOC, you would have to owe less than $XXX,XXX on your home.
You may qualify for another kind of loan or line of credit. Call (866) 536-3222 to speak with a banker to discuss your options or learn more about using home equity.
These estimates are provided for informational purposes only. Always consult a banker for your individual situation.
A HELOC is a great option for:
Home improvements
Tackle projects big and small, from a new roof to a new furnace and anything in between.
Education
Take some of the stress out of school costs—use a HELOC to pay for tuition and other college-related expenses.
Medical bills
Get help with doctors’ bills, healthcare expenses or meeting your deductibles.
Call 866-LEND ABC (536-3222)
Monday–Friday, 8 a.m. – 5 p.m.
Saturday, 8:30 a.m. – 12:30 p.m.
The Annual Percentage Rate (APR) is variable and is based upon the Prime Rate (the index) as published in The Wall Street Journal, plus a margin. Interest rates are subject to change without notice. The rate shown is for borrowers with 60% loan-to-value or less, line amount of $250,000 or greater, and credit score of 760 or greater. As of September 22, 2026 the variable rate for Home Equity Lines of Credit ranges from 7.000% APR to 11.750% APR and is based on credit score, loan-to-value (LTV), and line amount. Rates may vary due to a change in the index. The maximum APR that can apply is 18.000% or the maximum permitted by law, whichever is less, nor will the APR go below 2.500% at any time during the term of the plan. The minimum line amount is $5,000 ($5,001 for a HELOC secured by a property in Illinois). Borrower is not responsible for closing costs, which include appraisal costs and title insurance costs. Property insurance and flood insurance, if applicable, are required. A non-refundable annual fee of $50 may apply beginning with the first anniversary of the opening of the HELOC. Standard underwriting criteria will apply. Loans are subject to credit approval and program guidelines. (1502)
No fee will be assessed when converting to a fixed-rate option. If there is a current fixed-rate option that is requested to be unlocked, a $100 fee will apply. The fixed-rate option can primarily be done in person at an Associated Bank branch or by calling 1-866-LEND ABC (536-3222). (1331)
