Get something back from years of putting money into your home. A HELOC uses your home’s equity as collateral to finance all kinds of needs — from weddings to home improvements and more.

  • Competitive rates for several ongoing or seasonal needs:
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more!
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily accessed via phone, check, deposit, or wire transfer
  • The interest paid might be tax deductible*
  • Set up automatic payments to be deducted from your account monthly
  • Local decision-making and processing in West Tennessee
  • Attentive, friendly service from start to finish
*Consult a tax advisor.