HELOC Loan Amount Rate APR
$50,000 or More1
Prime + 0%
Under $50,0002 Prime + .50% 9.00%
What is a Home Equity Line of Credit?
A Home Equity Line of Credit (HELOC) allows you to leverage the equity in your home to secure a line of credit, which you can use to improve liquidity.
HELOC Features:

How Will You Use It? 

  • Home Improvements
  • College or Wedding Costs
  • Unexpected Expenses
  • Pay Down Higher Interest Rate Debt
  • You Decide How and When You Use It! 

Ready to Apply?

Download an Application
Short on equity?  Check out our home improvement loan for small projects.


1 Loans $50,000 or more: Effective 7/27/23, Prime is 8.50% resulting in an APR of 8.50%.

2 Loans under $50,000: Effective 7/27/23, Prime is 8.50% plus a margin of 0.50% resulting in an APR of 9.00%.

1,2 The Variable Rate is based upon The Wall Street Journal Prime Rate (“Prime”). The Annual Percentage Rate (APR) stated above can change periodically based on Prime.

3 There are no annual fees or closing costs associated with our HELOC.

4 Transfers can be made using online or mobile banking to a CNB St. Louis Bank checking or savings account.

Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the outstanding balance in a single repayment. Homeowners insurance is required. The APR has a minimum floor of 4.00% and a ceiling of 20.00%. Secured by primary residence. All loans are subject to our underwriting standards. Act now – offers may expire at any time without notice. Certain conditions and limitations may apply. Consult with a CNB St. Louis Bank mortgage representative for full details. Interest may be tax deductible. Consult your tax advisor.