Home Equity Lines of Credit (HELOC)

Your home isn’t just full of memories. It’s full of opportunity. Use your home’s equity to finance nearly any need. 

 

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
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  • Turn the equity in your home into ongoing, affordable financing
  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more
  • The existing equity in your home is used as collateral backing for your line of credit
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit — as principal is repaid, more becomes available for use
  • Funds easily available via in-person or phone transfers to a specified Idaho Trust Bank checking account
  • The interest paid on your HELOC might be tax deductible1
  • Set up automatic payments to be deducted from your account monthly
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

1Consult a tax advisor.