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Home Equity Line of Credit Rates

Maximum Loan to Value Lifetime Index = Prime Rate Margin Contract APR
(Lifetime Index + Margin)
80% Prime Rate = [current prime rate] 0.50% 3.75%
90% Prime Rate = [current prime rate] 1.00% 4.25%

Rates accurate as of

APR = Annual Percentage Rate. This rate will never exceed 15.90%. Rates are available to new accounts only and cannot be used to refinance existing ESL equity debt. Rates are subject to approval. ESL waives the closing costs for a home equity line of credit. However, if you close your account within the first 36 months of your account open date, you must reimburse us for the actual costs and fees paid in connection with the opening of your account. Minimum line amount is $5,000.