Home Equity Line of Credit

Borrow what you need, when you need it

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Not sure exactly how much money you'll need? A home equity line of credit (HELOC) provides a revolving line of credit that you can draw funds from as needed, making it a more flexible borrowing option. You can access funds by check or online banking.


  • Security of knowing funds are there if you need them
  • No prepayment penalties
  • An appraisal may be required to estimate current home value
  • Flexibility to access funds as needed
  • Pay interest only on amount utilized during the draw period
  • Use to fund whatever you require
  • Competitive rates

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Home Equity Line of Credit Rates

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Variable Interest Rate

Wall Street Journal (WSJ) Prime


Monthly - Interest Only^



^ Interest paid only on the amount utilized during the draw period.
* For variable Lines of Credit, APR is based on WSJ Prime Rate, which may increase after account opening. 
Maximum APR for variable Lines of Credit is 18%.
Home Equity Loan and Lines of Credit must be secured by a one to four family owner-occupied property with a loan to value (LTV) ratio of 89.9% or less.
Property insurance is required and flood insurance may be required.
Consult with a tax advisor to determine whether the interest you pay is tax deductible.
10-Year Draw Period.
15-Year Repayment Term.
APRs are accurate as of 6/13/2024 and are subject to change without notice.
Approval is subject to Brentwood Bank underwriting guidelines.
$50 annual fee required.
Appraisal Fee ranging from $330 to $610 may be required.

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Ready to get started?

Get the funds you need—on demand— with a home equity line of credit.

Apply Today