Home Equity Line of Credit

HELOC Special – Limited Time Only

You’ll receive no fees, and a 1.99% APR* introductory rate with our Home Equity Line of Credit. Apply now and be entered to win a $500 Visa Gift Card when you draw at least $1,000 from your home’s available equity.

Already have a Home Equity Line of Credit with White Rose? No problem! Existing HELOC holders will be entered into the $500 Visa Gift Card giveaway for drawing at least $1,000 from your line of credit.


Promotion valid 4/1/2021 – 6/30/2021. $10,000 increase required when refinancing to obtain the no fee special. **New and existing HELOCs must draw $1,000 to be entered into the gift card giveaway.

Home Equity Rates – Line of Credit

Amount Term APR* as low as
 New Line of Credit up to $150,000 6 months 1.99%
 Line of Credit thereafter Prime*** + 0
(resets monthly)
8 yr draw
10 yr repayment
Rate will not go below 3.25% after 6 month introductory

* APR = Annual Percentage Rate

All rates are based on “A+” credit and includes .25% autopay discount

Rates based on Wall Street Journal Prime Rate

Home secured loans require homeowners and fire insurance.  Other insurances may be required on Home secured loans, please speak with a Senior Member Service Rep for more information.

Home Equity Line of Credit rates effective 3/26/2020

All rates are subject to change without notice.

Estimate Your Payments with our Calculator

What is a Home Equity Line of Credit?

A home equity line of credit is an open-ended loan that allows you to borrow multiple times over the life of the loan, up to your credit limit. With a HELOC, you can pull whatever funds you need, when you need them. You will only pay back what you borrow. This type of loan is great for annual expenses such as college tuition, or ongoing projects where costs may change or fluctuate like home remodels and repairs. From paying for that dream vacation or even consolidating your debt, your home’s equity can get it done.

Our Home Equity Lines of Credit feature:

  • The ability to borrow against the equity you’ve built in your home
  • Variable interest rates
  • Multiple years of access to the funds
  • Easy application process