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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.

**The Fine Print
The introductory rate is for new equity lines with payments auto-drafted from a Southern Bank checking account.

1 After 36 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 determined by your line amount. (Up to $49,999 is prime +0.25%; $50,000 to $249,999 is prime +0%; $250,000 and above is prime -0.25%.)

The prime rate, as of 4/1/24, is 8.50%. The APR is variable and may change at any time. The maximum APR that can apply is 16%. The minimum rate is 6%. Rates are subject to change without notice.

Please see your local banker for all the details.

Subject to Eligibility.
You must carry insurance on the property that secures this plan.

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