Home Equity Loans and Lines of Credit (HELOC)

Home Borrow Home Loans Home Equity Loans and Lines

Your finances aren’t one-size-fits all. Neither are our home equity options.

Backed by your equity, not high interest.

Borrow what you need. Repay what you use. Only pay interest on the funds you actually draw. Protect yourself against rising interest rates by converting all or part of your existing HELOC balance to a fixed-rate Home Equity Loan.

Home Equity Loan Highlights:

  • No closing costs up to $250k
  • Maximum loan amount $750k
  • Available for 1-4-unit primary residences
smiling woman gardening

Got a big project? We’ve got simple funding.

a house with a lawn and a patio

Dreaming of remodeling your home, taking a long vacation, or just consolidating high-interest debt?

A Star One fixed-rate Home Equity Loan—repayable over 15 or 20 years—can help you realize those dreams with an even lower monthly payment.

Prefer adjustable? Choose an adjustable-rate Home Equity Loan with a maximum term of 15 years.

Check Your Rate
Apply Online

HELOC and Adjustable-Rate Home Equity Loan

How much do you need to borrow?
$
Fixed-rate Home Equity Loans up to $750,000.
Home Equity Loans
No origination fees, fast approval, and quick closings
Home Equity Loan 20 Years Fixed [1] [2]
Rate
6.250%
APR
6.315% [3] [4]
Get Started
Adjustable-Rate Home Equity Loan [6] [2]
Rate
6.500%
APR
6.691% [3] [4]
Get Started
Home Equity Loan 15 Years Fixed [1] [2]
Rate
6.125%
APR
6.204% [3] [4]
Get Started
Home Equity Line of Credit, California, owner-occupied [7] [2]
Rate
7.250%
APR
7.250% [3] [4]
Get Started

Home Equity Line of Credit

Obtain multiple advances of the loan proceeds—at your discretion, and up to a specified percentage of the equity in your home. 

  • No annual fee
  • No closing costs on HELOCs up to $250,000
  • Maximum loan $750,000
  • Revolving line of credit—withdraw funds as needed
  • Open-ended 10-year maximum draw period and 15-year repayment period
  • Interest rate adjusts quarterly
  • Index used is the Prime Rate
  • Option to convert existing balance to a fixed rate and payment—Learn more

Fixed-Rate Home Equity Loan

Borrow in a lump sum, up to a specified percentage of the equity in your home.

  • No closing costs
  • Maximum loan term of 20 years
  • Fixed interest rate and a fixed monthly payment
  • Equity loan (cash out) and cannot be in the first position
  • Maximum loan amount $750,000
  • Available for 1-4 unit primary residences

Adjustable-Rate Home Equity Loan (ARM)

Borrow a lump sum up to a specified percentage of the equity in your home.

  • No closing costs
  • Maximum loan term of 15 years
  • Variable-rate loan adjusts annually based on loan origination date
  • Index is based on weekly average yield of 1-year Treasury Constant Maturity (TCM)
  • Margin is 3.00%
  • Caps: 2% annual and 5% lifetime cap above the initial interest rate
  • Maximum loan amount $750,000
  • Available for 1- 4 unit primary residences

Apply Online 

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At Star One, you’re not just opening an account—you’re unlocking a better way to bank. With consistently low loan rates, higher savings returns, and support that actually supports, we’re here to make your financial life feel less like work.

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