of your home
Transform your home’s equity into a resource for life’s big moments from funding higher education to making home improvements to consolidating debt. With our HELOC, you’re not just borrowing; you’re investing in the future of your family and the comfort of your home.
7.50% APR**
Fixed Rate for 3 years
Up to 80% Loan to Value (LTV)
7.625% APR**
Fixed Rate for 3 years
Up to 85% Loan to Value (LTV)
8.75% APR1
Associated Variable Rate
Empower Your Financial Decisions
A HELOC puts you in control, allowing you to leverage your home’s value for your financial goals.
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Versatile Financing
Whether it's home renovations, educational expenses, or a dream vacation, a HELOC can make it happen.
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Competitive Rates
Enjoy lower interest rates compared to other credit options, making a HELOC a smart financial choice.
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Exclusive Perks for Account Holders
Southern Bank checking account holders enjoy added benefits like special rates and digital loan payments.
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Continual Access
Draw funds as needed, repay, and borrow again without reapplying, providing ongoing financial flexibility.
Let's talk.
Please give us a call at 1.855.275.7226 or fill out the form below, and we’ll be in touch soon to answer your questions and determine the right solutions for you.
**The Fine Print
Introductory Rate is for new equity lines only.
After 24 months, the APR will be based on the highest prime rate published in The Wall Street Journal’s Money Rate Table, plus or minus a margin that is determined by your line amount (up to $49,999 is prime + 0.25%; $50,000-249,999 is prime +0%; $250,000 and above is prime -0.25%).
Current prime rate, as of 10/29/25, is 7.00%. The APR is variable and may change at any time. Maximum APR that can apply is 16%. Minimum rate is 4%. Rates are subject to change without notice.
Please see your local banker.
*Subject to Eligibility
*You must carry insurance on the property that secures this plan