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Home Equity Line of Credit

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Tap Into Your Home’s Equity for Life’s Big Moments

A HELOC works like a revolving credit line—you borrow only what you need, when you need it, and pay interest only on the amount you use. It’s a smart, cost-effective way to finance home improvements, consolidate debt, or cover major expenses while keeping control over your borrowing and repayment.

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Features of a Tyndall HELOC

Make Home Improvements

Fund renovations, repairs, or upgrades! You can draw funds as needed for each stage of your project—whether it’s remodeling a kitchen, adding a bathroom, or replacing a roof—and only pay interest on the amount you use. This flexibility makes a HELOC a cost-effective way to increase your home’s value while improving your living space.

Big-Ticket Expenses

A HELOC can help cover major expenses like medical bills, debt consolidation, or a dream vacation. You can borrow only what you need, when you need it, and repay over time—often at lower interest rates than credit cards or personal loans!

Only Pay for What You Use

With a HELOC, you only pay interest on the funds you actually use. You can borrow up to the maximum loanable equity in your home with No Closing Costs* and low monthly payments. There is a flexible spending line with a 10-year draw period and 10-year repayment period or a 5-year draw period and 15-year repayment period.*

Easily Transfer to Your Account

The money is yours to use however you need—whether for debt consolidation, a swimming pool, or unexpected expenses. Accessing your funds is fast and convenient: transfer money instantly to your Checking or Savings Account through Online or Mobile Banking.  

Explore Additional HELOC Information in This Booklet

Ready to Get Started?

Home Equity CalculatorHome Equity Rates

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Leverage your home’s equity with ease—enjoy No Closing Costs,* low monthly payments, and the freedom to fund what matters most!

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Have a Question About HELOCs?

*APR = Annual Percentage Rate. Subject to loan approval and closing. Product not available in Texas, Alaska, Hawaii, Connecticut, New York, or California. Borrower is responsible for property insurance and flood insurance, if applicable, and property taxes. Property securing the loan must be insured until the loan is paid in full. Subject property must be your primary or secondary residence. After your application has been completed and approved, a closing date will be scheduled. Rates and maximum Loan-to-Value are based on borrower’s creditworthiness. Home Equity Lines of Credit have a variable APR, with a minimum APR of 7.49% and maximum APR of 18%. Interest rate may change monthly. HELOCs with an application date of January 1, 2025 or later interest rate may change quarterly. The Index used to determine your Variable APR is the Prime Rate (published in the Money Rates column of the Wall Street Journal on the last business day the rate is published in each calendar month). The Prime Rate is 7.50%, as of 12-19-24. Loan terms are 20 years: 10-year draw period; 10-year repayment period or 20 years: 5-year draw period; 15-year repayment period. Maximum LTV 80%. Minimum Loan Amount - $10,000; Maximum Loan Amount - $500,000; Minimum Initial Advance - $1,000.

Closing Costs Offer: For a limited time, Tyndall will pay all typical closing costs on primary residence. This excludes appraisal and title insurance, if required. Please see a Tyndall representative for more details. Minimum draw of $10,000 required to receive promotional offer. If daily balance falls below $5,000 during any of the initial 12 months, or if the line is closed during the initial 36 months, closing costs paid by Tyndall will be charged to the borrower. Limited time offer. Some restrictions apply. Property securing the loan must be insured until the loan is paid in full. Offer subject to change without notice.

Membership required; NO membership fee applies. Checking Account required: Minimum opening deposit is $25; no minimum balance requirement. Tyndall NMLS #597599.

LATE CHARGE - If your payment is more than 10 days late, we may collect a late payment charge from you of 10% of the payment then due, with a minimum of $5.00.