Home Equity Line of Credit (HELOC)

You can also use our online or mobile banking tools to transfer funds to your Provident checking or savings account.

The interest you pay may be tax deductible — consult your tax advisor.

Features

  • Easy access to funds using equity checks, phone and online transfers

  • No closing costs
     

Prime Plus HELOC232

This line of credit features a rate that is the Prime Rate plus a margin of 0.75% and lets you access up to your credit limit, with lines up to $200,000.052

Relationship HELOC232

If you have other qualifying accounts or products053 at Provident, that relationship turns your Prime Plus HELOC into a Relationship HELOC. Instead of adding a margin of 0.75% to the Prime Rate, your loyalty to Provident is rewarded by adding a margin of only 0.5% to the Prime Rate.052

5-Year Fixed Prime Plus HELOC051

This loan features a low fixed rate for the first five years and then adjusts monthly. Access up to your credit limit, with lines up to $200,000.052

5-Year Fixed Relationship HELOC051

Like the Fixed Prime Plus HELOC, this loan features a low fixed rate for the first five years and then adjusts monthly. If you have other qualifying accounts or products053 at Provident, you receive a 0.25% rate reduction throughout the life of the loan.

Home Equity Line of Credit (HELOC)

All Provident equity lines of credit include Equity Checks for convenient access to your credit anytime.

Disclosures

  • 051) For current rates and other details, see rates. This loan features a 5 year introductory interest rate. All subsequent rate adjustments are based on the Prime Rate as published in the Wall Street Journal plus a margin listed above. The maximum rate (maximum annual percentage rate) cannot be more than 6% plus the “Start Rate.” Minimum line to apply for is $25,000.
     
  • 052) This is a Variable Rate Loan: rate and payment will change monthly as the Prime Rate (as published in the Wall Street Journal) changes.
     
  • 053) Contact us to obtain details on qualifying accounts.
  • 232) For current rates and other details, see rates. 

Apply for a Home Equity Loan or HELOC

Start or continue a Home Equity Loan or HELOC application.

Apply for a HELOC

HELOC Rates

5-Year Fixed Relationship HELOC: 6.500% (8.100% APR)

View All HELOC Rates

How Large of a Line of Credit Can I Obtain?

Use this tool to determine the maximum home equity line of credit you can obtain.

Calculate