3-Month Intro Rate as Low as 1.49% APR*

Your home holds more than memories, it holds endless possibilities. Whether you’re upgrading your space, simplifying your finances, or investing in your future, your trusted local bank is ready to help with fast access to a Home Equity Line of Credit.

Fidelity Bank is here to support our local homeowners in making informed financial decisions. Apply now or schedule an appointment with a banker today.

  • No closing costs2
  • Fast, secure application process
  • Dedicated Fidelity Banker available anytime, anywhere
  • Flexible payment options
  • Approval decision within 3 business days1
  • Local decision making

Confidence in Your Bank. Power in Your Home’s Equity.

Home Equity 101

If you are new to Home Equity, select from the following links to help you make an informed decision.

Home Equity Overview

What is a HELOC and how does it work? 

HELOC FAQs

What are the qualifications requirements for a HELOCS?

How do I get a HELOC?

HELOC or Cash-Out Refinance?

Should I get a HELOC, just in case?

 

Get Started

Start your application today!

Apply Now Apply for a home equity line of credit with Fidelity Bank.Schedule an Appointment Schedule an AppointmentContact Us Contact UsFind a Branch Find a BranchMake the Switch Make the Switch
* Based on loan amount of $75,000.00 or greater and a credit score of 740 or higher for current promotional loan rate of 1.49% APR for first three (3) months following closing date of the Home Equity Line of Credit (HELOC). After the three (3) month period ends, the APR will convert to a variable rate based on the Wall Street Journal Prime Rate. The Wall Street Journal National Prime Rate is 7.25% APR, plus or minus a margin determined by creditworthiness and loan-to-value (LTV), effective September 18, 2025. The variable APR is subject to change daily and may vary throughout the life of the loan. The maximum APR is 18.00%, and the current floor rate is 5.00%. Maximum loan-to-value is 80.00% and a minimum credit score of 740. One- to four-family owner-occupied primary or secondary residences, secured by a first or second lien only. To qualify for the rates advertised above, monthly payments must be automatically deducted from a new or existing Fidelity Bank Checking Account, during the ten (10) year draw/fifteen (15) year repayment period. A $30.00 annual maintenance fee will be assessed at the closing and each year thereafter during the draw period. Homeowner’s insurance with Fidelity Bank listed as mortgagee is required, flood insurance is required if applicable. Subject to credit approval. Other rates are available, but fees may apply. Please consult a tax advisor regarding the deductibility of interest. Offer is valid as of 09-22-25 and may change or discontinue at any time. Offer cannot be combined with any other offer. Not a commitment to lend.
1 Approval decision is within three (3) business days pending receipt of complete loan application including signatures of all borrowers, signed disclosures, and all necessary financial information. Restrictions may apply. Not a guarantee for an extension of credit. Please see Fidelity Banker for more details.
2 “No Closing Costs” applies to loans $25,000.00 – $250,000.00 with a minimum of $25,000 in new money, which is defined as money not currently borrowed from Fidelity Bank. Home Equity Line must remain open for at least thirty-six (36) months. If the loan is paid off at thirty–six (36) months or sooner, borrower agrees to repay Fidelity Bank all closing costs which can be up to $1,417.00. Title insurance is required on loans greater than $250,000.00, which is paid by the borrower.