A Home Equity Line of Credit (HELOC) can give you newfound funds to do a myriad of things. You can work on your house, pay for school tuition, or take a vacation.  It can also provide you with access to emergency expenses when you need them most.

How HELOCs work.

Using your home as collateral, a HELOC, gives you a specific credit limit from which you can borrow as much or as little as you like, up to that limit. You only get charged interest on what you use and your bill is based on your balance. As you pay down your balance, funds become available to use again. It doesn’t get any easier. Or more rewarding.

Funds when you need them.

There are multiple ways to access your HELOC — all of them simple. Transfer funds into your checking account via Online Banking. You can also write a check or visit a branch. There will be a $250 minimum draw regardless of what option you choose.

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