Whether you’re planning ahead or responding to the unexpected, a Southern Bank home equity line of credit (HELOC) gives you flexible access to funds backed by the value already in your home.
Whether you’re planning a home project, covering a major expense, or navigating something unexpected, we’re here to help you move forward with clarity.
From planned projects to unexpected expenses, a HELOC gives you the flexibility to use your home’s equity in ways that fit your life.
Upgrade your space, tackle repairs, or invest in long-term value.
Help cover tuition or support the next chapter for your family.
From vehicles to large planned expenses, access funds when timing matters.
Be prepared for medical bills or other financial surprises.
A HELOC works like a revolving line of credit, using your home’s equity as the foundation.
It’s designed to give you flexibility, without locking you into a one-time decision.
| Introductory Fixed Rates (First Two Years) | |
|---|---|
|
5.74% APR* |
Up to 80% LTV if on Southern Bank Auto Draft |
|
5.99% APR* |
Up to 80% LTV |
|
5.99% APR* |
Up to 85% LTV if on Southern Bank Auto Draft |
|
6.24% APR* |
Up to 85% LTV |
|
7.25% APR1 |
Associated variable rate |
At Southern Bank, we believe financing decisions should come with real support, not just numbers on a page.
When you work with Southern, you get:
We’re here to help you think through your options and not pressure you into one.
Have questions or are you ready to get started? Please give us a call at 1.855.275.7226 or fill
out the form below and we’ll walk you through your options and next steps.
Have questions or are you ready to get started? Please give us a call at 1.855.275.7226 or fill out the form below and we’ll walk you through your options and next steps.
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.
*Introductory Rate is for new equity lines only. (1) 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%). These margins require Southern Bank Autodraft. Current prime rate, as of 12/11/25, is 6.75%. 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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Please complete the form below and let us know how we can help. We'll be in touch soon! For immediate assistance, please contact Customer Care at 1.855.275.7226.
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