What you get with a Huntington HELOC

Flexible access

Borrow what you need, when you need it

Draw from your line of credit during the 10-year draw period.

Online payments

Choose how you manage your account

Check your balance, track activity, and make payments including interest-only payments during the draw period or fixed-rate options on part of your balance1.

Home-focused funding

Use your equity to improve your space

From kitchen upgrades to roof repairs, your HELOC can help you shape a home that fits your life.

A HELOC that fits your life and goals


Whether you're planning a remodel, covering tuition, or consolidating debt, a Huntington Home Equity Line of Credit gives you the flexibility to borrow on your terms. With support from our mobile app and real bankers, you're never on your own. Call us at (800) 992-2053.

Tools and people who look out for you

Huntington Mobile Banking app

Manage your HELOC from anywhere

Track balances, make payments, and access your funds all from the Huntington Mobile Banking app.

Banker expertise

Real people. Real guidance.

Our bankers are here to help you make confident decisions — whether you're applying, planning, or just exploring your options.

Helpful tools

Compare current monthly payments

Use our calculator to compare your current payments to a potential HELOC.

Line of credit interest rates

More than money. More for your life.

Home and Auto

Financing options for your home renovation

Here’s what you need to know about home equity loans and how to use them for your next project.

Borrow

HELOC vs Home Equity Loan: What’s the difference?

Unlock the value in your home through home equity loans or lines of credit (HELOCs). Understand the differences and your options for borrowing.

Borrow

Things to consider when renovating a house

We’ll help you focus on home improvements that can bring lasting value — to your space and your finances.

Contact Us

We're here for you—online, by phone, or in a branch.

Automated assistance

Quick answers when you need them.

Speak with us

We're here to help.

Find a branch

Find your nearest Huntington branch.

Disclosures

Rates and terms are subject to change and approval. The APR for a home equity line of credit is variable and based on the Prime Rate plus or minus a margin. Additional terms and conditions apply. See full disclosures.

The APR for home equity lines of credit is variable based on Prime plus or minus a margin and can change monthly but will never be higher than 18.0%. "Prime" and "Prime Rate" mean the "Bank Prime Loan" rate published by the Board of Governors of the Federal Reserve System in its statistical release H.15 (510) entitled "Selected Interest Rates." Annual Percentage Rates (APRs) displayed are based on a current Prime Rate of 7.50% as of December 19, 2024. Advertised rates are subject to change at any time.

Depending on customer's qualifications, current APRs range for line amounts as stated above. The lowest advertised rate is for well qualified borrowers with a combined loan-to-value ("CLTV") of no more than 60% in 1st lien position for a primary residence. Not all applicants will qualify for this rate. The APR for which a customer may qualify is subject to application, approval, and acceptable property appraisal and title search, and depends on line amount, credit history, CLTV, lien position, occupancy/property type, property state, and meeting certain underwriting criteria. The maximum CLTV cannot exceed 90%.

There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 20-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period.

Insurance must be carried on the real property securing the account, and flood insurance must be carried if the structure on the real property is located in a Special Flood Hazard Area. Borrower-paid title insurance may be required on loan amounts greater than $750,000. Mail-away Fees, which also include a notary fee, range from $125 to $375 and will apply when closing is facilitated by a third-party on Huntington's behalf. In this instance, a $25 courier fee will also apply. In South Carolina, an attorney is required to perform the closing and Huntington will cover up to $375 of the attorney’s fee and $25 of the courier fee, with any additional cost paid by borrower. Customers using a condominium as collateral may be charged a fee by their condo association to complete a questionnaire by the appraisal company. See a banker for more information about current rates and terms.

The home equity line of credit has a $60 annual fee ($50 in MN). The initial fee will be charged on your first billing statement and then annually, thereafter.

1You have the option to convert your variable rate line to a fixed rate; however, the fixed rate will always be higher. A $75 fee will be charged for each transaction converting an amount from a variable rate to a fixed rate in CO, IL, KY, MI, MN, OH, NC, PA, SC and WI. Minimum HELOC line in NC is $15,000.

The amount of savings realized with debt consolidation varies by loan. Since a home equity line of credit may have a longer term than some of the bills being consolidated, there may not be a savings over the entire time of the line if you make only the minimum payments. Federally Guaranteed Student Loans and other loans with special government benefits should not be consolidated because you may lose the benefits.

Home equity loans and lines also subject to acceptable appraisal and title search.