Unlock Your Home's Equity with a Private Banking HELOC

Use the equity you’ve earned in your home with our Home Equity Line of Credit (HELOC) for Private Banking clients.

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A HELOC lets you borrow money for large expenses using the equity in your home as collateral. It’s a great way to cover education expenses, home improvements, medical bills, debt consolidation, a second residence, and much more.


  • Prime minus 1.00%
  • Combined Loan-to-Value of 89.9%
  • No annual fee
  • Maximum line up to $500,000

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*Home Equity Line of Credit (HELOC) has a variable rate feature. Borrower must qualify for Private Banking. Borrower must meet specific underwriting criteria to obtain the advertised rate of Wall Street Journal Prime (index) minus 1.00%; with a FICO score 740 or greater, a combined loan-to-value (CLTV) ratio of 89.9% or less, debt-to-income (DTI) ratio of 43% or less. Not all applicants will qualify for advertised rate. Your annual percentage rate (APR) may vary and may be higher depending on credit score and loan-to-value (LTV) ratio. The maximum APR is 21%. During the first 120-months (the ‘draw’ period), advances of credit may be taken. Your minimum periodic payment due will be equal to the accrued interest as of the close date of the billing period. After the draw period, advances are no longer permitted and repayment of the outstanding balance must be paid over the next 120-months. A full appraisal is required for credit request above $250,001. Property insurance is required and flood insurance may be required. Eligible properties must be owner-occupied/primary residences within the state of Ohio and Michigan. All loans are subject to credit review and approval. Certain restrictions may apply. Offer subject to change without notice. NMLS# 697346.