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.