• Ready for more?
    Unleash the power of home equity.

    4.99% APR*
    12-Month Fixed Introductory Rate

    8.75% APR*
    Variable Rate After Introductory Period.

    Apply Now

Prepare for the extraordinary and the unexpected.

A Home Equity Line of Credit is a revolving line of credit—you only use as much as you want or need to—available to you on the strength of the equity you have in your home.

It’s a smart way to borrow money, and the interest could be tax-deductible. (Contact your tax advisor for guidance.)

This special Home Equity Line of Credit offer features:

  • The flexibility to take only the amount you need for your expenses
  • Minimum line of credit of $10,000, with no maximum
  • No closing costs for lines of credit up to $100,000
  • A fixed rate for the first 12 months; after that your APR will revert to the prime rate (currently 8.25%) + 0.50%

Use your special 4.99% introductory rate* for whatever you need, including:

  • Education expenses
  • Renovating your home
  • Emergencies
  • Consolidating higher-interest rate debt
  • A much-needed vacation

We’re here to help.

If you have questions about a Home Equity Line of Credit, our lending team has the answers.

Open your Home Equity Line of Credit in person.

We’re happy to sit down with you and guide you through our quick and easy application process.

About Us

Founded in 1943, Highland Bank is a privately-held bank, providing value to customers as trusted advisors and working one-on-one from start to finish. Highland Bank has been a fixture in the Twin Cities for over 75 years and has grown to over $663 million in assets operating out of five offices, enhanced by technology and a robust online presence.

Highland Bank is dedicated to building strong profitable relationships by focusing on and helping to identify the needs of each individual customer. We work hard to build new relationships, as well as strengthen our existing ones. We believe every customer interaction contributes to the building of a stronger foundation.

*An introductory rate of 4.99% Annual Percentage Rate (APR) is accurate as of May 22, 2023 and effective for 12 months beginning from the date of the loan documents. Introductory rate offer available on new home equity lines of credit or renewing home equity lines of credit with limit increases of at least $10,000.00. After 12 months, the APR reverts to Prime Rate as published in the Wall Street Journal (currently 8.25%) + 0.50%, with a floor of 4.00% APR. The APR is a variable rate. Offer available with any new or existing Highland Bank checking account and requires automatic payments, minimum loan amount of $10,000.00, no maximum amount and loan-to-value (LTV) of 80% or less. Minimum and maximum APR that can apply during plan is 4.00% and 18.00% respectively. 60 month term. Interest only payments. A balloon payment will result. Appraisal required only when taxed assessed value is greater than $400,000.00. No closing cost on loans up to $100,000.00. Loans greater than $100,000.00, borrower required to pay all closing costs which range from $0.00 to $3,529.00. Property insurance required. Offer subject to credit approval. Offer expires July 31, 2023.