Unleash your home’s equity with a Home Equity Installment Loan

Fidelity Bank’s Home Equity Installment Loan (HEIL) offers affordable fixed monthly payments as low as $287.¹ From backyard upgrades, tuition costs, home improvements, or even debt consolidating, it lets you fetch the funds you need while keeping payments manageable.

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 costs 3
  • Fast, secure application process
  • Dedicated Fidelity Banker
  • Flexible payment options
  • Guaranteed decision within 3 business days 4
  • Local decision making

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

Effective Date: Monday July 06, 2026
Loan Type10 Year7 Year5 Year
Your promo rate (as low as)6.75% APR26.25% APR25.85% APR2
Your estimated monthly payment (as low as)$287$368$481

Numbers are based on a loan amount of $25,000. 

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!

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1 $287 monthly payment based on a loan amount of $25,000 for a fixed‑rate home equity loan with term of 10 years and a credit score of 740 or higher. The Annual Percentage Rate (APR) is 6.75% and is fixed for the life of the loan. Estimated monthly payment shown is principal and interest only, based on the APR shown, assumes full disbursement at closing, and does not include taxes or insurance. Maximum loan‑to‑value is 80.00%. One‑ to four‑family owner‑occupied primary or secondary residences, secured by a first or second lien only. To qualify for the annual percentage rates above, monthly payments must be automatically deducted from a new or existing Fidelity Bank Checking Account. Homeowner’s insurance with Fidelity Bank listed as mortgagee is required; flood insurance is required if applicable. Subject to credit approval. Other rates and terms available; however, fees may apply. Please consult a tax advisor regarding the deductibility of interest. Offer is valid as of 03-16-2026 and may change or discontinue at any time. Offer cannot be combined with any other offer. Not a commitment to lend.
2 The Annual Percentage Rate (APR) is provided for additional loan terms for a loan amount of $25,000. Refer to 1 above for additional terms and conditions.
3 “No Closing Costs” applies to loans $25,000.00 – $250,000.00 with a minimum of $25,000 in new money, defined as money not currently borrowed from Fidelity Bank. APR reflects no prepaid finance charges provided the loan remains 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 from $731.05 to $1,457.98. Title insurance is required on loans greater than $250,000.00 and is paid by the borrower.
4 Approval decision is within three (3) business days pending receipt of a 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. Other rates and terms are available; however, fees may apply. Not a commitment to lend. Offer available in bank service areas only.