Turn the Key to a
Flexible Home Equity Line of Credit
5.25% APR*/Rate
The introductory rate of 5.25% APR/Rate remains
in effect for 18 months from the closing date.
After that, the rate is as low as *Prime +0.00%
* APR = Annual Percentage Rate. This Home Equity Line of Credit has a variable rate with a floor as low as 4.50% and a ceiling of 18.00% APR. As of February 18, 2026, Prime Rate is 6.75%. The introductory APR applies for the first 18 months after account opening. After the introductory period, the APR will be Prime + a margin between 0.00% and 1.25% based on creditworthiness and will adjust when the Prime Rate changes thereafter. Prime Rate is the advertised rate in the Wall Street Journal. Available to qualified borrowers. Offer subject to change at any time. The yearly maintenance fee of $50 is waived for the first year. Homeowners Insurance is required. New home equity lines of credit only.
Turn the Key to A
Flexible HELOC
Whether you’re planning upgrades, managing expenses, or preparing for what’s next, we’re here to help you move forward with confidence.
What is a Home Equity Line of Credit (HELOC)?
A HELOC is a revolving line of credit that lets you borrow against the equity in your home. Instead of receiving a lump sum, you can withdraw funds as needed – similar to a credit card but with lower interest rates.
Key Benefits of a HELOC
- Flexible Access to Funds – Borrow what you need, when you need it.
- Lower Interest Rates – Competitive rates compared to credit cards or personal loans.
- Revolving Credit – As you repay, funds become available again.
- Use for Any Purpose – Home renovations, tuition, medical bills, or even a dream vacation.
- Potential Tax Benefits – Interest may be tax-deductible (consult a tax advisor).
Own a home with available equity.
Want financial flexibility for large expenses or emergencies.
Prefer a revolving line of credit over a lump-sum loan.
Are looking for a lower-cost borrowing option than credit cards.
Why Choose FVSBank for Your HELOC?
🏡 Local Lending Experts – Personalized service from lenders who know your community.
📉 Competitive Rates – Save with lower interest compared to other borrowing options.
🔄 Easy Access to Funds – Withdraw funds via online banking, checks, or in-branch.
💙 Community-Focused Banking – We care about helping you achieve your financial goals.
USA PATRIOT Act Information Disclosure
Important Information about Application Procedures
To help the government fight the funding of terrorism and money laundering activities. Federal lawy requires all financial institutions to obtain, verify, and record information that identifies every customer.
What this means to you: When you apply for a loan, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.