Unlock the Equity in Your Home

Get a 5.99%* APR introductory rate for the first 12 months with a flexible Home Equity Line of Credit (HELOC) designed to help you make the most of your home's equity.

Whether you're tackling a home project, covering a major expense, or simply want access to the equity you've built, your HELOC can be there when you need it—without requiring you to refinance your entire first mortgage.

Key benefits:

  • 5.99%* APR for the first 12 months
  • Revolving line of credit
  • 20 year term
    • 10 year draw period; interest only payments
    • 10 years principal and interest repayment
    • Access funds when you need them for eligible expenses

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  See How It Works

How to Qualify for the 5.99%* Introductory Rate

To receive and maintain the 5.99%* APR introductory rate, the following requirements must be met: 

Why a HELOC?

A HELOC gives you flexible access to your home's equity, allowing you to borrow only what you need, when you need it, while keeping your existing mortgage in place. Some examples of how to use it are: 

Home Improvements 
Renovate your kitchen, update a bathroom, replace a roof, or tackle other projects that can enhance your home's value and functionality. 

Education Expenses 

Help cover tuition, books, certifications, or other educational costs for yourself or a family member.

Major Purchases

Fund significant expenses, such as a vehicle, wedding, or other large purchase, while preserving your savings.

Unplanned Expenses

Be prepared for life's surprises, including emergency home repairs, medical bills, or other unexpected costs.

Financial Cushion

Keep a source of available funds for added peace of mind and confidence when facing future financial needs.

Your equity is closer than you think.

With a Frontier Bank checking account, you can conveniently transfer available HELOC funds to checking through online banking—and then use your debit card to access those funds for everyday purchases and expenses.

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*Annual Percentage Rate. Some restrictions apply. See loan officer for more details. Underwriting standards apply and all loan are subject to credit approval. Must open a Frontier Bank checking account. Must have an auto payment set up from a Frontier Bank checking account. Must have a monthly direct deposit established within 60 days of loan date. Must be enrolled in eStatements. Failure to meet the described terms will result in the loss of the promotional rate and the loan’s interest rate will be changed to Wall Street Journal Prime Rate, which changes daily. Offer valid through November 13th, 2026.