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Home equity line of credit (HELOC)

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Variable annual percentage rate

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Take out funds over time, as you need them. A HELOC is similar to a credit, but rates are typically lower. 

Consider if you:

check icon You want ongoing access to funds 
check icon You want to keep your current mortgage 

Funds as you need them

Prequalify Learn more

Personal loan

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As low as a variable annual percentage rate of:

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Take control of your finances with a personal loan. U.S. Bank checking customers with credit approval may be able to borrow up to $500,001. Those without a U.S. Bank account may be able to borrow up to $25,000.

Check your rate before completing a full application to see what you may be eligible to borrow. It won’t affect your credit score.

Consider if you:

check icon You need to borrow less than $15,000
check icon You don’t own a home or don’t want to use equity.

Fixed rates and payments

Learn more Check your rate

Home equity loan

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10-year home equity loan rate

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15-year home equity loan rate

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Get the funds you need all at once. You'll have the security of fixed-rate payments on principal and interest for the life of the loan.

Consider if you:

check icon You need to borrow more than $15,000
check icon You want to check on a better mortgage rate

Fixed rates and payments

Prequalify Learn more

Personal line of credit

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As low as a variable annual percentage rate of:

As of

2

Looking to tackle on financial goals with a little more flexibility? If you’re a current U.S. Bank checking customer, a personal line of credit can give you instant, ongoing access to funds as you need them.

Check your rate before completing a full application to see what you may be eligible to borrow. It won’t affect your credit score.

Consider if you:

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Instant, ongoing credit access

Learn more Check your rate

Cash-out refinance

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Conventional 30-year fixed rate term Maine State

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Annual percentage rate 1
Rate 2

By replacing your current mortgage with a new one, you may be able to get a lower rate. You can also take out extra funds for your project or purchase when you close on your new loan. 

Consider if you:

check icon You need to borrow more than $15,000
check icon You want to check on a better mortgage rate 

Refinance with access to cash

Learn more Apply now

Cash-out refinance

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Conventional 30-year fixed rate term North carolina

As of

Annual percentage rate 1
Rate 2

By replacing your current mortgage with a new one, you may be able to get a lower rate. You can also take out extra funds for your project or purchase when you close on your new loan. 

Consider if you:

check icon You need to borrow more than $15,000
check icon You want to check on a better mortgage rate 

Refinance with access to cash

Learn more Apply now
Start of disclosure content

  1. Free credit score access, Alerts and Score Simulator through TransUnion’s CreditView™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and is not used by U.S. Bank to make credit decisions.

  2. Home Equity Loan: As of September 26, 2023, the fixed Annual Percentage Rate (APR) of 8.25% is available for 10-year second position home equity installment loans $50,000 to $99,999 with loan-to-value (LTV) of 60% or less. Rates may vary based on LTV, credit scores or other loan amount. In order to receive the lowest rate advertised, a set-up of automatic payments from a U.S. Bank personal checking or savings account is required but neither are required for loan approval. Customers in certain states are eligible to receive the preferred rate without having automatic payments from a U.S. Bank personal checking or savings account. Loan payment example: on a $50,000 loan for 120 months at 8.25% interest rate, monthly payments would be $613.26. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these items is established. Home equity loans not available for properties held in a trust in the states of Hawaii, Louisiana, New York, Oklahoma and Rhode Island. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Property insurance is required. Other restrictions may apply.

  3. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.