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START YOUR HOME EQUITY LINE OF CREDIT APPLICATION

It's fast and convenient, and the benefits just got even better!

  • Intro rate as low as 4.99% APR**
  • Home Improvements
  • Emergency Expenses
  • Debt Consolidation

Start your application here:

*A Home Equity Line of Credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate, primary residence, owner occupied, and in the state of Kansas or Missouri Home. **APR = Annual Percentage Rate. LTV = Loan-to-Value. The introductory rate is a fixed APR of 4.99% for the first year from the date of loan opening, up to 80% LTV and a fixed APR of 5.49% up to 90% LTV. After the introductory rate period, the APR will vary for the remaining life of the loan. The APR is based on an index, which is the “Prime Rate” as published in The Wall Street Journal, on the tenth to the last business day of each month. The APR will be based on the Prime Rate plus a margin of up to 1.00%, based on the LTV ratio. The maximum APR that can apply is 18% (for loans to Kansas residents) or 24% (for loans to Missouri residents). As of December 19, 2024, the variable APR is 7.50%, up to 80% LTV and 8.50% up to 90% LTV. After the Introductory Rate period, the APR can change monthly, but will not be lower than 4.00% up to 80% LTV and 5% up to 90% LTV. The Home Equity Line of Credit has a 10-year draw period with a maximum 15-year repayment period. Minimum payment is interest only during the draw period and then principal and interest payments will be required during the repayment period. Finance charges begin the date a transaction is posted to your account.  

Certain property types are not eligible collateral. Home value is based on county assessment and if this is not sufficient, an appraisal may be required, at the borrower's expense. Property hazard insurance is required, and flood insurance may be required. This promotion is offered for a limited time and is subject to change without notice. This offer is subject to membership eligibility, credit approval, and collateral conditions. Terms and conditions apply. Minimum credit line and first initial advance is $5,000.