Notice: In observance of the Thanksgiving holiday, all of our branches will be closed on Thursday, November 27. We will resume normal business hours on Friday, November 28. For your banking needs during this time, our online and mobile banking services remain available. Thank you for your understanding as we honor this day.
Unlock the potential
of your home
with a Home Equity Line of Credit.

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.

  • Versatile Financing

    Whether it's home renovations, educational expenses, or a dream vacation, a HELOC can make it happen.

  • Competitive Rates

    Enjoy lower interest rates compared to other credit options, making a HELOC a smart financial choice.

  • Exclusive Perks for Account Holders

    Southern Bank checking account holders enjoy added benefits like special rates and digital loan payments.

  • 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.

ONE Form

**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

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