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Home Equity Line of Credit

Let your home buy things for you with a home equity line of credit (HELOC) that pays you back. A HELOC is a revolving line of credit in which your home serves as collateral. It allows you to make major purchases, consolidate debt, make home improvements or pay for education. And, in most cases, what little interest you pay may be tax-deductible3.

Choose the Rate That Fits Your Needs:
Go ahead. Break out the calculator and see how much you could save by switching to a UMB Home Equity Line of Credit. You can even lock in your rate for a timeframe of your choice and apply today

  • 6 month fixed 0.00% APR1 then 4.75% APR2 current variable rate
  • 5 year fixed 3.99% APR1 then 4.75% APR2 current variable rate
  • No closing costs
  • No annual fees
  • Origination fees waived for a limited time
  • Interest paid may be tax deductible3
Offer ends April 30, 2014

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

Apply Now   or    Schedule an Appointment to Learn More

Listen to our podcast
, “Basics of a Home Equity Line,” for more information about home equity lines of credit.

For more information about our products and services, please contact us via phone or email or visit any UMB banking center.



1 Fixed Rate of 0.00% APR (Annual Percentage Rate) fixed for 6 months or 3.99% APR fixed for 5 years is available for applications submitted November 1, 2013 to April 30, 2014. The 0.00% APR rate requires a $25,000 disbursement at time of closing to a creditor other than UMB or UMB subsidiaries. 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 Rate period, the APR may vary for the remaining life of the loan and can change monthly, but will not be lower than 3.25% or exceed 18%. Hazard and flood insurance, as applicable, is required for the property that secures this HELOC. In addition, an origination fee of the lesser of $250 or 1% of the commitment amount will be due at account opening. 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.

2 As of March 1, 2014, the current variable rate ranged from 4.75%, (which requires a loan amount greater than $100,000) to 6.50%.

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