Your home has built-in potential — now it can help power your goals.

With ESL, you can tap into the value of your home to fund home repairs, make the renovations you’ve been dreaming of, or handle unexpected expenses — all while saving money.

Home Equity Line of Credit

Turn your home’s value into flexible funding with one monthly payment.

Low 12-month introductory rate at
3.95%APR1
with an LTV up to 90%.
THEN
7.25%APR1
with an LTV up to 80%.
APPLY ONLINE

Add Up the Benefits:

  • No closing costs and no annual fees2
  • Competitive rates
  • One streamlined payment
  • More financial flexibility & savings

Why Choose ESL Home Equity Solutions?

  • Personalized Guidance: You and your financial well-being deserve undivided attention, and our team is here to give that to you.
  • Unwavering Support: Experience a simplified process with help every step of the way.
  • No Surprises: Be confident that you'll know what to expect and when to expect it.
  • A Chance to Earn: Possibly earn more each year in your ESL Owners’ Dividend.3

You’ve invested in your home — now put that investment to work. Whatever your goal is, you can make it happen with ESL Home Equity Line of Credit.

1. HOME EQUITY LINE OF CREDIT: Rate shown as of 1/1/26 and is subject to change without notice. The introductory rate is fixed for 12 months from the time of closing. Thereafter, the contract rate is based on Prime Rate plus your contract margin and may vary monthly but never exceed 15.9%. The Prime Rate was [current prime rate] as of [current prime rate date] and rate featured is based on a loan-to-value ratio up to 80%. There are other rates available for a loan-to-value exceeding 80%. Minimum line amount is $5,000. Offers are for new accounts only and subject to credit approval. Actual rates may vary.

2. ESL pays for all closing costs and fees. However, if you close your account within the first 36 months of your account open date, you must reimburse us for actual costs and fees paid in connection with opening your account. Property insurance and flood insurance, if applicable, are required.

3. Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.