Home Equity Products

Home equity products are a great low-rate alternative for consolidating debt, making home improvements or paying college tuition. The interest may be tax deductible*, so it’s a smart way to get more for your money.

Line of Credit Fixed for Two Years*

Intro rate as low as 3.29% APR

Line of Credit Fixed for Three Years*

Intro rate as low as 4.29% APR

  • Borrow up to 90% of your home’s value, less the first mortgage balance   
  • Refinance from other institutions
  • We'll even pay a share of your closing costs!*

*APR–Annual Percentage Rate. Rates subject to change. Rates, terms and conditions may vary based on creditworthiness, qualifications or collateral conditions. After introductory period, APR may adjust annually between Prime Rate and Prime Rate plus a margin of 2.00% depending upon your loan-to-value and credit history at time of application, although it will not be lower than 4.75% APR and will not exceed 18.00% APR. The Prime Rate used is 3.25% as of 02/01/13 as published in The Wall Street Journal. All loans subject to approval. Properties securing home equity lines of credit must be located in Missouri and select counties in Illinois and Kansas. Property insurance will be required and flood insurance where necessary. Closing cost offer applies to lines of $15,000+. See tax advisor for tax deductibility. Refinancing available from other institutions only.


Home Equity Loan Fixed for Ten Years*

As low as 4.39% APR (second position)

  • Borrow up to 100% of your home’s value, less the first mortgage balance
  • Single advance

*APR–Annual Percentage Rate. Rates subject to change. Rates, terms and conditions may vary based on creditworthiness, qualifications or collateral conditions. Rate(s) listed above available only on new home equity loans secured by your primary single family residence with a 90% maximum combined loan-to-value (including prior mortgages or liens) and a $417,000 maximum for all combined mortgage balances on the property, including the new loan amount. For a $10,000 loan at 6.49% APR, the payment would be $113.50 for 120 months with a final payment of $112.17. Properties securing home equity lines of credit/loans must be located in Missouri and select counties in Illinois and Kansas. Call for details. Property insurance will be required and flood insurance where necessary. See tax advisor for tax deductibility. Refinancing options available from other institutions only.


Variable Rate Home Equity Line of Credit*

Intro rate as low as 4.75% APR

  • 15-year and 20-year terms—fully amortized

*APR–Annual Percentage Rate. Rates subject to change. Rates, terms and conditions may vary based on creditworthiness, qualifications or collateral conditions. Rate(s) listed available only on new home equity lines of credit secured by your primary single family residence with a 90% maximum combined loan-to-value (including prior mortgages or liens) and a $417,000 maximum for all combined mortgage balances on the property, including the new line. APR may adjust monthly between Prime Rate and Prime Rate plus a margin of up to 2.50%, although it will not be lower than 4.75% APR, and will not exceed 18.00% APR. The Prime Rate used is the U.S. Prime Rate as published in The Wall Street Journal and is 3.25% as of 02/01/13. Properties securing home equity lines of credit must be located in Missouri and select counties in Illinois and Kansas. Call for details. Property insurance will be required and flood insurance where necessary. See tax advisor for tax deductibility. Refinancing options available from other institutions only.

BRENTWOOD 2345 S. Brentwood     O’FALLON 4161 Highway K     KIRKWOOD 465 S. Kirkwood     (636) 720-2400 or (800) 500-6860
Facebook  Twitter  YouTube   Disclosures