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Home Equity Line of Credit

Your home is generally your largest single asset which, over time, appreciates in value.

With a Home Equity Line of Credit (HELOC) you can use the equity you've built into your home to pay for large expense items. These items may include a wedding celebration, a dream vacation, or a child's first automobile. A HELOC can also be used to consolidate bills into one lower monthly payment, fund your dream vacation, or complete the home improvements you've always wanted.


When consolidating bills you'll make only one monthly payment. With a simple phone call or writing of a Home Equity Check, you can have immediate access to funds.


Use the loan today to fund a larger purchase, such as a vehicle. In the future, without reapplying for a loan, you can fund your dream vacation or complete the home improvements you've always wanted. Interest paid on a HELOC may be tax deductible.*

Lower Interest Rates

When consolidating bills and paying off credit cards or loans with higher interest rate, a Home Equity Line of Credit SAVES YOU MONEY.

Union State Bank Home Equity Line of Credit may be available up to an 80% maximum loan to value.

HELOC Calculator

Use this calculator to determine the home equity line of credit amount you may qualify to receive. The line of credit is based on a percentage of the value of your home. The more your home is worth, the larger the line of credit. Of course, the final line of credit you receive will take into account any outstanding mortgages you might have. This includes first mortgages, second mortgages and any other debt you have secured by your home.

Apply Online In Minutes!

*Consult your tax advisor for deductibility of interest.
**Subsidies are limited with approved credit for qualified buyers. Income limits and other restrictions apply. Union State Bank NMLS # 412388

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.