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HELOC Rates
Home Equity Rates
| Program | Details | Interest Rate | Introductory APR2 for the first 6 months1,5 | APR2 thereafter3,4 |
|---|---|---|---|---|
| Home Equity Line - Prime -0.50% | 1st Lien, Primary Home, Auto Payment from eVolve Checking account | 6.00% | 5.50% | 6.00% |
| Home Equity Line - Prime -0.50% | 1st Lien, Primary Home | 6.25% | 5.50% | 6.25% |
| Home Equity Line - Prime -0.50% | 2nd Lien, Primary Home (1st lien with The Village Bank) | 6.25% | 5.50% | 6.25% |
| Home Equity Line - Prime Only | 2nd Lien, Primary Home (1st lien with another lender) | 6.75% | 5.50% | 6.75% |
| Home Equity Line - Prime +0.50% | Second Home | 7.25% | N/A | 7.25% |
2APR = Annual Percentage Rate. APR is subject to change without notice. APR is variable, tied to the Wall Street Journal Prime Rate, the index (currently 6.75% as of December 11, 2025) plus or minus a margin, and can change monthly. There is a minimum rate of 3.00% APR, and a maximum rate of 18% APR. Available for primary residences or secondary homes to new Home Equity Line of Credit (HELOC) borrowers only. Maximum combined loan-to-value of 80%. HELOCs have a 30-year term (10-year draw period with interest only payments followed by 20-year repayment period with principal and interest payments). In order to open, use, or maintain your account, you may have to pay certain fees to third parties in connection with opening the account. These fees generally range between $0.00 and $6,000.00, depending upon the line amount, how the property is titled, property location, or if a full appraisal is needed. In some instances, the fee range may exceed $6,000.00 based on elevated line amounts and closing requirements. Upon request or within three business days from date you submit your application, we will provide you with an itemization of the fees that you will have to pay to third parties. Property hazard and flood insurance (if applicable) is required for the life of the loan. All loans are subject to credit approval and other conditions may apply. An Early Termination Fee of $500 will apply if the HELOC is closed within 36 months.
3In order to receive prime -.50% APR, the HELOC must be in 1st lien position or subordinate to a Village Bank 1st lien, the property must be your primary home, max Combined Loan to Value (CLTV) 80%, other requirements may apply.
4In order to receive an additional -.25% APR reduction, HELOC payments must be auto debited from your Village Bank eVolve checking account, other requirements may apply.
5In order to qualify for the 5.50% promo the collateral must be primary residence. Second homes do not qualify. This offer is valid only for new HELOC accounts and cannot be used to refinance an existing Village Bank Home Equity plan.
Please see Important Terms Disclosure. [PDF, 251.36 KB]