Home Equity Line of Credit

Flexible funds. Local support. Only pay for what you use.

Turn your home's equity into a competitive interest rate line of credit—perfect for home improvements, big expenses, or life's unexpected moments. With a Reliabank Home Equity Line of Credit (HELOC), you get:

• Ongoing access to funds as you need them
• Competitive interest rates with potential tax-deductible benefits¹
• Only pay interest on what you borrow

Why Choose a Reliabank HELOC?

We're your neighbors—not a call center.
Get personalized service, fast decisions, and expert advice from local lenders who understand your community.

What you can expect:

• Fast, local approvals
• Competitive variable or fixed rate options
• Flexible access via checks or transfers
• Only borrow what you need, when you need it
• Guidance from real people who live where you do

Smart Financing for:

• Home renovations or upgrades
• Emergency or seasonal expenses
• Education or tuition costs
• Debt consolidation

How a HELOC Works

Your home's equity acts as collateral, giving you a revolving line of credit—like a credit card, but with lower interest rates and higher limits. Reuse the line as you repay.

Rate Options to Fit Your Needs

Variable Rate HELOC:

• Based on the U.S. Prime Rate (plus margin)
• Payment changes with market rates
• Pay interest only on what you borrow

Fixed Rate Option (When Available):

• Lock in part of your balance at a fixed rate
• Predictable monthly payments
• Protection from rising interest rates