UMB Home Equity Line of Credit

You choose the reason. You choose the rate.

A home equity line of credit from UMB lets you take advantage of the equity in your home to finance home renovations, educational expenses, or even large gift purchases.

HELOC fixed rates Call Today: 866.568.0390

Monday - Friday 8:00 a.m. - 6:30 p.m. CST or Saturday 8:00 a.m. - 5:00 p.m. CST.

  • Origination fee waived for a limited time
  • 85% loan/value maximum
  • Interest paid may be tax deductible3
  • Interest-only payment option

You can also apply online or stop by any banking center.

Apply Now

Review our application overview prior to applying online for more details.

Offer ends January 31, 2015.


1Introductory Rate is a fixed Annual Percentage Rate (APR) of 1.99% APR for 1 year, 2.99% APR fixed for 3 years or 3.99% APR fixed for 5 years. The APR will not increase during the fixed period. Fixed Rate assumes the HELOC is on a primary residence and customer has, in addition to this HELOC, any combination of two or more loan or deposit products from UMB. Otherwise, Introductory Rate will be 0.50% higher for each exception. Other factors, such as loan amount, loan purpose and borrower occupancy may affect the Rate. After the Fixed Rate period, the APR may vary for the remaining life of the loan and can change monhly, but will not be lower than 2.49% APR or exceed 18% APR. Hazard and flood insurance, as applicable, is required for the property that secures this HELOC. Minimum credit line is $10,000. This offer is available only to new accounts and cannot be used in conjunction with any previous promotional offer and is subject to change without notice.

2As of September 1, 2014, the current variable rate ranged from 3.99%, (which requires a loan amount greater than $100,000 and a loan to value of 80% or less) to 5.74% for primary residence.

3Consult your tax advisor for complete information about the deductibility of interest.


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Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender

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