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Home Equity Line of Credit (HELOC)

Take advantage of our special promotional rate as low as 6.99% APR* for the first 12 months

Meet Your Home’s Hidden Potential with a Wellby HELOC

Special Promo Rate as Low as 6.99% APR*

*APR=Annual Percentage Rate

A Home Equity Line of Credit (HELOC) offers lower interest rates than traditional loans and gives you the funds for planned or expected expenses whenever you need them.

Flexibility: Access your line of credit funds when you need them

Lower Cost: Competitive rate that are typically lower than credit cards or other loans

Convenient Access: Transfer money to your checking account anytime

Flexibility for Your Life

A home equity line of credit (HELOC) offers you the flexibility to meet the changing needs of your financial goals. Secured by the equity you've built in your home, a Wellby HELOC is a revolving line of credit with a variable interest rate, giving you the funds you need for planned or unexpected expenses.

Benefits of a Home Equity Line of Credit


Sometimes you use more than expected, sometimes less. Because it's a revolving credit line, a HELOC lets you access your funds when you need them.

Lower Cost

Because HELOCs are secured, our competitive rates are typically lower than credit cards or personal loans. And, the interest may be tax deductible1.

Convenient Access

You'll have easy access to your HELOC by transferring money to your Wellby checking account or a checking account with another financial institution.

Solar system with planets representing items you may need a line of credit for such as bills, repairs and etc

A Line of Credit to Use When You Need It

  • Debt Consolidation - Consolidate your higher-cost debt, including credit cards and student loans.
  • Home Improvements - Remodel your kitchen or put in the pool you've always dreamed of.
  • Major Purchases - Cover a variety of major expenses such as college tuition, a wedding, or vacation.

Your Loan is Only a Few Steps Away

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Step 1

Complete our easy online application.



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Step 2

A loan specialist will contact you to answer questions and assist you with the remaining documentation.


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Step 3

Close on your HELOC at a local Wellby branch.



What is a HELOC?

A Home Equity Line of Credit gives you financial flexibility when you need it. Learn more about how a HELOC works.


Ready to Apply?

Begin your journey toward financial flexibility with our simple online application, and unlock the power of your home’s equity today.


Still wondering if a HELOC is right for you? Learn more by checking out our FAQs.

Learn More

Common Questions

What is the difference between a home equity loan and home equity line of credit (HELOC)?
What can I use funds from a HELOC towards?
How do I apply for a HELOC from Wellby?