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Today's Rates
Relationship pricing for HELOCs2
Enjoy additional discounts on your home equity line of credit (HELOC) intro rate when you have a ProtectPlus™ Checking account. Gain a deeper discount when you have a deposit relationship of $25,000 or more in our share certificates with a 12-month minimum term (new money required).
| Account & Deposit Relationship | Intro Rate Discount |
| ProtectPlus Checking | 0.25% discount |
| ProtectPlus Checking and $25,000 deposit in a 12 month certificate | 0.50% discount |
| ProtectPlus Checking and $50,000 deposit in a 12 month certificate | 0.75% discount |
Home Equity Line of Credit3
Use the equity in your home to get the cash you need. Access funds by check or online banking for anything from home improvements to special expenditures.
- Pay only on the amount you use
- Borrow up to $500,000
- CLTV up to 85%
- Variable rates, with interest-only payment option flexibility
- Draw funds up to 10 years and repayment periods up to 20 years
- Interest may be tax deductible5
Home Equity Loan4
Consolidate debt, pay for college, plan a vacation ... the choice is yours.
- Fixed rate for the life of the loan
- Borrow up to $500,000
- CLTV up to 85%
- Interest may be tax deductible6
*APR= Annual Percentage Rate. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. Rate, points and APR may be adjusted based on several factors, including, but not limited to, loan amount, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs. For example, loans with LTVs more than 80% typically require mortgage insurance which will increase both your APR and monthly payment.
1Home Equity Variable Lines of Credit with Intro Rate. Requires minimum initial draw of $25,000 (or $25,000 plus any balance based on existing Kinecta home equity loan) at time of closing. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial rate discount. The initial rate discount will be in effect for 12 months. The variable APR after the initial rate discount is based on The Wall Street Journal Prime Rate (the "index") plus a margin. This rate may vary with changes in the Prime Rate. As of 09/19/2024 Prime Rate is 7.500%. The minimum floor rate is 4.00% and the maximum APR that can apply is 18.00%, this excludes state of Texas. Combined Loan-to-Value (CLTV) up to 80%. The minimum credit limit and loan amount is $25,000, maximum is $500,000. 10-year draw period followed by a 20-year repayment period. $195 loan processing fee waived (only) for HELOC w/Intro Rate programs under the following conditions: Member is participating in Home Equity Relationship Pricing option and The HELOC is not paying off another Kinecta Home Equity Loan closed less than 12 months prior to the new HELOC w/Intro Rate application date.
2Applies to Home Equity Lines of Credit only – discount are not applicable on Home Equity Loans or first mortgages. HELOC Relationship pricing benefits can only be combined with the HELOC 12-month Intro. Rate. To qualify for the rate discount, you must open a share certificate of at least a 12-month term with a minimum $25,000 of new money. New money is funds not held at Kinecta for the previous 30 calendar days.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. A new or existing Kinecta ProtectPlus™ Checking account is required at time of closing and the Intro. Rate discount depends on the level of eligible account balances. Eligible balances will be verified upon final loan approval and shall remain on deposit at closing. The borrower must be an account holder on the eligible Kinecta accounts.
Kinecta Relationship pricing is subject to change without notice.
3Home equity lines of credit (HELOC). Requires minimum initial draw of $20,000 (or $20,000 plus any balance based on existing Kinecta home equity loan) at time of closing. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial rate discount. The initial rate discount will be in effect for 12 months. The variable APR after the initial rate discount is based on The Wall Street Journal Prime Rate (the "index") plus a margin. This rate may vary with changes in the Prime Rate. As of 09/19/2024 Prime Rate is 7.500%. The minimum floor rate is 4.00% and the maximum APR that can apply is 18.00%, this excludes state of Texas. Combined Loan-to-Value (CLTV) up to 80%. The minimum credit limit and loan amount is $20,000, maximum is $500,000. 10-year draw period followed by a 20-year repayment period. $195 loan processing fee.
4Equity loans. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors including Combined Loan-to-Value (CLTV) and are subject to change. CLTV up to 85%. Maximum loan amount is $500,000. Proof of homeowner's property insurance is required, and flood insurance may be required. $195 loan processing fee.
Loan combined with any other mortgage(s) cannot exceed 85% of the property value in 1-unit owner-occupied properties. Non-owner- occupied properties are not eligible. A full appraisal paid by the member is required when the value is greater than $2,000,000.00 and CLTV is > 50.00% or the CLTV is greater than 80.00% or the loan amount is greater than $400,000 or, the 1st lien mortgage has an interest only feature. Applicable appraisal fees may vary and range between $550-$850.
5Tax deductions. Consult a professional tax advisor regarding deductibility of interest and charges.