Tap into your equity with special low rates.

Choose between a flexible way to meet life's expenses as they come or a one-time loan with a rate that won't fluctuate.

3.75% APR. Platinum Home Equity Choice Line of Credit
  • First Year's Annual Fee Waived
  • Special low rate with automatic payments from your checking account
  • Use as needed for planned, unplanned or ongoing expenses

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5.49%. 15 year Home Equity Loan
  • Loan amounts range from $5,000 to $500,000
  • Special low rate with automatic payments from your checking account
  • Use for larger, one-time expenses like a vehicle purchase or home improvement

Take andvantage of our special offer today. Apply Online.

All loans and lines of credit are subject to credit approval. Additional fees, conditions, and restrictions may apply.

1 Annual Percentage Rate (APR) of 3.75% (Prime plus 0.50%) is only available on owner occupied properties in a first lien position with a maximum Loan-to-Value (LTV) of 60%. LTV is calculated by dividing the maximum credit limit on the Platinum Equity Choice Line of Credit by the fair market value of the property. This special APR is available to customers who choose an automatic payment from a Bank of the West checking account. Checking account has a $100 minimum opening deposit. APR may increase if automatic payments are discontinued for any reason. APR is variable and may change as often as monthly. This Platinum Equity Choice Line of Credit features a 10 year draw period followed by a repayment period. Prime is the Prime Rate as published in the Wall Street Journal. As of January 15, 2013 the Prime Rate is 3.25%. APR does not include costs other than interest. The maximum APR is 18% or maximum allowed by state law. Minimum APR is 3%. An Annual Fee of $75 applies, but is waived for the first year of the line of credit. Annual Fee may be subject to state limitations; ask your loan officer for details. You may be subject to an early closing fee of $500 if your account is closed within 36 months of the account opening date. State limits apply; ask your loan officer for details. Minimum credit line is $5,000. Maximum credit line amount is $2,000,000. Rate and offer are subject to change without notice. Evidence of adequate insurance required. A credit line at 3.75% APR (Prime plus 0.50%) has an estimated monthly interest only payment of $31.25 per $10,000 borrowed; however the minimum payment is $100 per month during the life of the Credit Line Account. Must apply by March 31, 2013.

2 The Annual Percentage Rate (APR) is 5.49% and will be fixed for the life of the home equity loan for owner occupied properties in second lien position with a maximum Combined Loan-to-Value (CLTV) of 80%. CLTV is calculated by dividing the aggregate total of all mortgages by the fair market value of the property. This special APR is available to customers who choose a 15 year term and an automatic payment from a Bank of the West checking account. Checking account has a $100 minimum opening deposit. APR may increase if automatic payments are discontinued for any reason. Minimum loan amount is $5,000. Maximum loan amount is $500,000. Rate and offer are subject to change without notice. Evidence of adequate insurance required. A loan at 5.49% APR with a 15-year term will have a monthly payment of $81.56 per $10,000 borrowed. A prepayment penalty of $500 may apply if account is closed within 36 months of account opening date. State limits apply; ask your loan officer for details. Must apply by March 31, 2013.