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Turn your equity into opportunity with our HELOC Special!
You’ve worked hard to build equity in your home — now it can help fund what’s next.
You built up equity – now we have built-in flexibility!
You’ve worked hard to build equity in your home. Now you can put it to work for you.
A Home Equity Line of Credit (HELOC) lets you borrow against the equity in your home, giving you flexible access to funds when you need them. Whether you’re planning home improvements, consolidating debt, or covering major expenses, a HELOC gives you control over how and when you borrow.
Act now to take advantage of our low, limited‑time promotional rate on a new or renewing HELOC.
A Smart Financial Tool
Unlike a traditional loan, a HELOC gives you flexibility. You can draw funds as needed instead of taking a lump sum upfront—making it easier to manage expenses that happen over time.
Many homeowners choose a HELOC because it offers:
- Flexible access to funds when life happens
- The ability to borrow only what you need
- A convenient way to manage larger or ongoing expenses
HELOC Special – Features!
This special Home Equity Line of Credit includes:
- Flexible borrowing – take only the amount you need for your expenses
- Minimum line of credit of $10,000, with no maximum
- Highland Bank covers the first $250 in closing costs
- A fixed rate for the first 12 months
- After that, your APR* could be as low as prime rate minus 0.25%
These features are designed to give you confidence, flexibility, and value—right from the start.
Earn rewards for having a HELOC! Compound your benefits by pairing your HELOC with a Kasasa Cash® Checking Account. Learn more.
Local Guidance You Can Trust
At Highland Bank, you’re never just a number. Our experienced lending team takes the time to explain your options clearly and help you understand how a HELOC fits into your overall financial picture.
From your first conversation through funding, we’re here to make the process straightforward, transparent, and comfortable.
Meet the Lending Team
*Annual Percentage Rate (APR) is accurate as of 3/02/2026. The APR is a variable rate, subject to change. An introductory rate discount of 1.26% will be effective for 12 months beginning from the date of the loan. For the first 12 months, the variable APR may be as low as 5.24% APR. After the introductory period ends, variable APR during the remainder of the draw period may be as low as 6.50% APR (Prime – 0.25%) with a floor of 3.99% APR. Rate offer is available on new home equity lines of credit with a minimum loan amount of $10,000 or renewing home equity lines of credit with limit increases of at least $10,000. Offer requires automatic payments from a new or existing Highland Bank checking account. Maximum loan amount and loan-to-value (LTV) limits dependent upon borrower qualifications and property value. Minimum and maximum APR that can apply during plan is 3.99% and 18.00% respectively. 240-month term, 120-month draw period and 120-month repayment period. Interest only payments during draw period. Property evaluation is required. Appraisal required only when loan amount is greater than $250,000. Lender Credit of $250.00, borrower pays all other fees. Early termination fee of the lessor of 1.00% or $500.00 will be assessed if the loan is terminated within 12 months of closing. Property insurance required. Offer subject to credit approval. Offer expires 5/29/2026.
Reach out to a Lender
We’re Here to Help
If you have questions about a Home Equity Line of Credit, our lending team has the answers.
Open Your HELOC in Person
We’re happy to sit down with you and guide you through our quick and easy application process.