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What is the difference between a HELOC and a Home Equity Master Line?

A HELOC is a flexible line of credit secured by your home’s equity but with a “draw” period (typically the first 10 years) which you may access from your available balance. You can draw at any time from this balance up to your available credit limit.  Interest rates on HELOCs are usually variable rates.

With a Home Equity Master Line, you have the flexibility of a Home Equity Line of Credit with the option to lock in up to (3) fixed rate, fixed payment sub-accounts under your Home Equity Master Line.  The best of both worlds! The advantage of a revolving home equity line and a fixed rate/fixed term option.

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