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Home Equity Line of Credit

Let the equity in your home work for you with a home equity line of credit (HELOC) from UMB. 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-deductible4.

Choose the timeframe that fits your needs and lock in your rate today. 

  • 2 year fixed 2.99% APR1 then 3.99% APR2 current variable rate
  • 4 year fixed 3.99% APR1 then 3.99% APR2 current variable rate 

And no matter which above option you choose, you get the benefit of:

  • No third party fees
  • No annual fees
  • Origination fees waived based on UMB checking package3
  • Interest paid may be tax deductible4

    Whatever project or purchase you have waiting, feel confident that you are making a great choice with a UMB Home Equity Line of Credit. Make the move to a UMB HELOC today.

    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.


    1Introductory Rate is a fixed Annual Percentage Rate (APR) of 2.99% APR fixed for 2 years or 3.99% APR fixed for 4 years. The APR will not increase during the fixed period. Fixed Rate assumes the HELOC is on a primary residence. Other factors, such as loan amount, loan purpose and borrower occupancy may affect the APR. After the Fixed Rate period, the APR may vary for the remaining life of the loan and can change monthly, 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.
    2 As of July 1, 2015, the current variable rate ranged from 3.99%, (which requires a loan amount greater than $100,000) to 5.74% for primary residence.
    3 Origination fee of 1% or $250, whichever is less. Waived for UMB Select and Value Checking customers.
    Consult your tax advisor for complete information about the deductibility of interest.