HELOC
Home Equity Line of Credit
What are you waiting for? Start your winter project now!
*APR = Annual Percentage Rate
HELOC = Home Equity Line of Credit
KBT = Kirkwood Bank & Trust
LTV = Loan to Value
New or existing KBT customers may qualify for 5.79% rate on new HELOC or the refinance of an existing KBT HELOC with minimum of $10,000 increase in line of credit. Promotion available 12/1/2025 through 2/28/2026; however, KBT reserves the right to end the promotion at any time. Rates are subject to change without notice. Interest rate is fixed and includes a 60-month draw period with balloon payment of outstanding principal balance due at maturity. Renewal or extension of credit option may be reviewed at maturity. Minimum monthly payment of 1.250% of the principal balance outstanding is required during the 60-month draw period. Borrowers must meet underwriting guidelines and are subject to credit review and approval. Up to 90% LTV with loan committee approval. Loan origination fee of $175 to be paid in cash at time of closing. Additional fees including an appraisal fee may apply and can range between $14 - $1,074. Property insurance is required.