Home equity line of credit

Use the equity in your home to finance a remodel, vacation, college costs or other big purchase with lines of credit from $5,000 to $500,000 and flexible payment options.

account details

  • Line of credit of $5,000 to $500,000
  • 10-year draw period followed by 20-year repayment period
  • $75 annual fee
  • Collateral of primary residences, Condominiums, manufactured homes and vacation homes 
  • Advance funds through Visa® point-of-sale access card, checks, in-store advance, transfer via online banking and telephone transfer
  • We pay standard closing costs on loans less than $500,000 (appraisals requested by homeowners and escrow closing costs not included)
  • Variable interest rate with optional Lock-in feature
  • No origination fee
  • Lock in term: 1 to 15 years based on lock-in amount
  • Prepayment penalty may apply

rate details

for zip code
Product rates
CLTV Amount Variable interest rate APR
Up to 80% $5,000 - $25,000 WSJ Prime + 1.00% to 4.00% 5.50% - 8.50%
$25,001 - $50,000 WSJ Prime + 0.75% to 3.75% 5.25% - 8.25%
$50,001 - $100,000 WSJ Prime + 0.00% to 3.00% 4.50% - 7.50%
$100,001 - $250,000 WSJ Prime + 0.00% to 3.00% 4.50% - 7.50%
Up to 70% $250,001 - $500,000 WSJ Prime + 0.00% to 3.00% 4.50% - 7.50%
Questions? Call us at 1-866-790-2121.


Interest Rate

Rates shown are effective as of 12/14/2017 and are subject to change without notice. Advertised Annual Percentage Rates (APRs) include a 0.50% automatic payment discount from an Umpqua Bank account. Advertised rates are variable and are subject to increase after consummation. The disclosed APRs are based on the Wall Street Journal Prime Rate (the "Index", currently 4.50%) plus a margin (spread). The margin is based on the approved loan amount and our evaluation of your credit history. Maximum APR: 18%

Credit approval

All accounts subject to credit approval. 

Insurance requirement

Property insurance required; flood insurance is also required if the property is in a special flood hazard area.

smartLock feature

You can convert or "lock in" all or a portion of your outstanding balance to a fixed rate with a fixed minimum monthly loan payment that will pay off the locked in balance by the end of the loan term.   As you pay down your "locked in" principal balance, your available balance is replenished for additional use at the variable interest rate. You can have as many as 3 individual "Lock Ins" on your line at any time. Each "lock in" is subject to a fee of $50.00. Each time you "lock in", your minimum monthly payment will include principal and interest in an amount sufficient to pay back that new locked loan balance at the new locked rate.  At no time will the minimum monthly payment amount be below $100.00.

Amount that you may lock in

$5,000 up to available credit line limit

Minimum monthly payment

Interest only monthly payments for 10-year draw period followed by fully amortized principal and interest payments for the 20-year repayment period; payment amount will vary as rates change. There is a $100 minimum monthly payment requirement during the repayment period. Lock-in requests have a fixed monthly payment amount of principal and interest, fully amortized for the term of each lock-in portion.

open account

Call us at 1-866-790-2121


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