OF UP TO 1.00%1

Receive a limited-time rate offer on a HELOC.

From July 1 through September 30, 2019, when you open a new home equity line, receive a 0.10% discount for every $10,000 you borrow on the day your account opens up to a maximum 1.00%.

  • Enjoy the discounted variable rate for the 10-year draw period1.
  • Plus receive our 0.25% auto pay discount when you set up automatic payments from a qualifying Bank of the West account2.

Simply call 855-380-9378 to get a rate quote for the line amount you choose and apply.

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TTY 1-800-659-5495

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Legal information and Disclosures

1The 0.10% discount for every $10,000 drawn up to a maximum 1.00% (for advances of $100,000 or more) is available only for a new Bank of the West Home Equity Line of Credit (HELOC) with an initial advance of at least $10,000 taken the day of HELOC opening (subject to the credit limit and a rescission period, if applicable). The amount advanced at HELOC opening will determine the margin to be applied to the index (the Prime Rate) for the entirety of the 10-year draw period. An initial advance amount of less than $10,000 is not eligible for this promotion.

The Annual Percentage Rate (APR) is variable based on the Prime Rate in effect as published in The Wall Street Journal, plus a margin, per the terms of the credit agreement. The Prime Rate as of December 20, 2018 is 5.50%. Margins as of July 1, 2019, not inclusive of the margin discount based on the initial advance described above, range from Prime minus 1.135% to Prime plus 4.00%, with corresponding APRs ranging from 4.365% to 9.50% for lines of credit between $15,000 and $2,000,000 and are subject to change at any time.

Home Equity Lines of Credit are subject to credit qualification and collateral evaluation. Additional fees, conditions and restrictions may apply. Product details can be found in our Important Terms brochure. Rate and offer are 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. 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 fee of $100 may apply each time a Fixed Rate Loan Option is elected or reversed. Fees may be waived for customers with certain account relationships. Ask a Bank of the West representative for details.

2A 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.