Consolidate debt or make home improvements.

Get a home equity line of credit with a fixed intro rate as low as 4.49%1 for the first six months, followed by a 5.49%2,3 variable rate after the intro period on an initial draw of $25,000 or more.

  • No Closing Costs4
  • No annual fee (first year)4
  • No pre-payment penalty

Don’t wait — this limited-time offer is available for applications received from 4/1/19 through 6/30/19.

Call us:


TTY 1-800-659-5495

Monday – Friday
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8am - 1pm PT

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Legal information and Disclosures

1The introductory rate is valid for a new Bank of the West Home Equity Line of Credit (HELOC). Annual Percentage Rate (APR) is fixed at the introductory rate for 6 months. After the 6-month introductory rate period, the APR is variable based on the Prime Rate in effect as published in The Wall Street Journal, plus a margin, per the terms of your credit agreement. A minimum initial advance of $10,000 is required to be eligible for an introductory rate. The introductory rate of 4.49% APR shown reflects an initial advance amount of $25,000 or more and was determined by subtracting 1.01% from the current Index value. The introductory rate for an initial advance in an amount of $10,000 to $24,999 is determined by subtracting 0.76% from the current Index value. An initial advance amount of less than $10,000 is not eligible for the introductory rate.

2The APR of 5.49% shown reflects standard pricing for the draw period and is based on a $150,000 line amount on an owner occupied, single-family residence in second lien position, ≤70% Combined Loan-to-Value (CLTV) and 740+ FICO® Score. Not all applicants will qualify for this rate. Rates are dependent on the verified value and occupancy status of your home, any existing debt against your property, the amount you borrow, your personal credit history, and your relationship with our bank. Additional discounts may be available for Wealth Management and Premier clients; ask a Bank of the West representative for details. The APR for a HELOC during the draw period is variable based on the Prime Rate as published in The Wall Street Journal, plus a margin. The Prime Rate as of December 20, 2018 is 5.50%. As of March 19, 2019, margins range from Prime minus 1.26% to Prime plus 3.50%, with corresponding APRs ranging from 4.24% to 9.00% for lines of credit between $15,000 and $2,000,000 and are subject to change at any time.

3A 0.25% discount with automatic payment from a new or existing Bank of the West checking or savings account is available to all applicants. The discount may be reversed and your rate and payments may increase if automatic payments are discontinued for any reason. All terms and conditions applicable to the checking or savings account apply, including fees and minimum opening deposits. The discount for automatic payments will not apply while an introductory rate is in effect.

4HELOCs are subject to credit qualification and collateral valuation. Fees, conditions and restrictions apply. Product details can be found in our Important Terms Brochure; ask for a copy. Rate and offer subject to change without notice. Evidence of adequate property insurance required. All HELOCs feature a 10-year variable rate draw period requiring a monthly interest-only payment subject to a $100 minimum. Annual Percentage Rate (APR) during the draw period may change as often as monthly. The draw period is followed by a fixed-rate fully-amortizing repayment period of 120, 180 or 240 months, depending on the balance at the end of the draw period. APR during the repayment period will be fixed, based on the Prime Rate in effect at the end of the draw period, plus a margin and other factors. The APR will not exceed 18.00% (13.00% APR in Oklahoma) and will not go below 3.00%. Fees: an annual fee up to $75 applies subject to state law limitations; a $100 Fixed Rate Loan Option fee may apply if conversion option exercised or reversed. Fees may be waived for customers with certain account relationships. Ask your mortgage banker for details.