Current Home Equity Line of Credit Rate

Current Home Equity Line of Credit (HELOC) Rates effective as of April 23, 2021. The below rates include a discount for automatic payment from a TSBG Checking Account. 
Combined Loan to Value Loan Amount Annual Percentage Rate (APR) as low as
At or below 65% Below $50,000 4.50% APR*
At or below 65% At or above $50,000 4.50% APR*
66% to 80% Below $50,000 4.50% APR*
66% to 80% At or above $50,000 4.50% APR*

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*Rate is effective April 23, 2021 and subject to change. Variable rate is tied to Prime Rate as stated in the Wall Street Journal, plus a margin that varies based on credit worthiness of borrower(s) at time of application along with combined Loan to Value (LTV) and other criteria. To receive a .25% rate discount you must authorize The State Bank Group (TSBG) to withdraw your HELOC payment each month from a TSBG checking account. The advertised rate of 4.50% includes this discount and is based on 65% LTV and a loan amount of $50,000. Maximum Annual Percentage Rate (APR) is 18.00%. Minimum loan amount is $10,000. Maximum combined LTV is 80%. TSBG HELOCs are subject to credit qualification, income verification, and collateral evaluation. If the line of credit is closed within the first 36 months, fees will apply. Homeowners insurance required. Flood insurance required, if applicable. Additional restrictions, limitations, and exclusions may apply. This offer is available for a limited time.