Your Home Equity Has Great Potential
Tap into it with a Home Equity Line of Credit from U.S. Century Bank and choose the promotional offer that works best for you.
Three HELOC Options to Choose From
Variable interest rates as low as 6.75% APR1
Apply by April 30, 2026 |Offers may not be combined.
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Promotional Rate
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No Closing Costs
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Low Closing Costs Offer:Standard Rate HELOCs
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Key Features Receive a 0.50% APR reduction on the variable APR you qualify for Requires auto‑pay enrollment from a U.S. Century Bank checking account (open & funded before closing) Requires a minimum initial draw of $25,000, maintained for at least 6 months Closing costs apply for customers selecting the APR reduction promotional rate Minimum loan amount of $100,000 applies4 |
Key Features No closing costs — receive a lender credit equal to 100% of your closing costs (excluding appraisal fees) Minimum loan amount of $100,000 applies4 |
Key Features Receive up to $2,500 in lender credit toward closing costs (excluding appraisal fees) Requires minimum initial draw of $25,000 at closing, and the balance must be maintained for at least 6 months |
Shared HELOC Benefits Across All Options
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Access a 30‑year HELOC term (10‑year draw + 20‑year repayment)5
Simplify your finances with interest-only payments for the first 10 years, followed by a 20-year repayment period when you must begin making payments toward the amount drawn on your line of credit (principal payments, plus interest).
During the initial draw period, you pay only the interest on what you use, helping you maintain flexibility while managing cash flow.
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Flexible usage — no restrictions on how you spend your funds
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Competitive variable rates based on Prime plus margin, if applicable1
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Available for owner‑occupied single‑family homes, PUDs, and condos (with other eligibility criteria)6
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You may be able to deduct interest paid on your HELOC if you meet IRS criteria. Please consult your tax advisor for guidance based on your individual situation7
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Local decision‑making for faster turnaround
From Palm Beach to Key West8, your community is our community. We know you and care about your success. Let us help you unlock the potential of your home equity—efficiently and effectively.
what you'll need to apply
- Completed & signed HELOC application
- Personal financial statement (if applicable)
- Two forms of ID for all applicants and property owners
- Recent paystubs or tax returns (for self-employed)
- Most recent mortgage statement and HOA/PUD payment coupon (if applicable)
- Proof of property insurance (homeowners, wind, flood)
- Property survey, title policy, and warranty deed (for closing)
For more information on Home Equity products, refer to “What You Should Know about Home Equity Lines of Credit,” a consumer information booklet prepared by the Consumer Financial Protection Bureau.
1 APR. The variable APR is based on Prime plus a margin and will vary with Prime. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 6.75% as of 12/11/2025. The margin will vary based on your credit score (740 or > at Prime, 700-739 Prime +1%, 680-699 Prime + 1.50%). Your APR will not exceed 18.00% at any time during the term of your account. Your APR may vary based on credit history, property type, occupancy, lien position, and other factors.
2 Offer. Receive a 0.50% APR reduction on the variable Annual Percentage Rate (APR) you qualify for when the following conditions are met at the time of loan closing:
1. Auto-Pay Enrollment: You must enroll in automatic monthly payments from a U.S. Century Bank checking account. The account must be open and funded prior to closing. If the qualifying checking account is closed after loan closing, the APR reduction may be revoked, and your rate may revert to the standard APR for which you qualify.
2. Minimum Draw Requirement: A minimum initial draw of $25,000 is required and must be maintained for at least 6 months from the date of closing. If you do not maintain a $25,000 minimum outstanding balance for at least 6 months following the date of closing, the APR reduction may be revoked, and your rate may revert to the standard variable APR for which you qualify.
3. Offer Expiration: Your application must be received by April 30, 2026.
3 Closing Costs & Fees. Closing costs and fees may apply based on your choice from the Promotional Options available below through April 30, 2026:
1. APR Reduction Offer - Closing Costs apply to borrowers who choose to receive the 0.50% APR reduction offer (Promotional Rate).
2. HELOCs with Standard Rates up to $250,000 - No Closing Costs apply. You will receive a lender credit at closing equal to 100% of your Closing Costs (excluding appraisal fees).
3. HELOCs with Standard Rates over $250,000 - You will receive a lender credit of up to $2,500 (excluding appraisal fees). An Initial Advance (minimum initial draw) of not less than $25,000 is also required at closing to receive the lender credit and an outstanding balance of not less than $25,000 must be maintained for at least 6 months following the date of closing.
There is an appraisal fee for all HELOCs. If the credit line does not close and the appraisal fee is collected, the appraisal fee is non-refundable.
Closing costs may range from $2,500 to $40,500 (based on line amounts).
A $50.00 annual fee will be charged to your HELOC beginning on the first anniversary of the date on which you opened your account.
4 The minimum loan amount is $100,000. The amount of your HELOC will depend on the value of your home and your equity in the home. The loan to value will vary based on credit score, property type, and lien position.
5 Terms. The term of a HELOC is 30 years: 10-year draw period, 20-year repayment period. During the 10-year draw period, your principal balance will not reduce. Your monthly payment will only cover the interest that has to be paid. The amount you borrow will remain outstanding unless you make principal reductions. At the end of the draw period is when you enter the 20-year repayment phase of your home equity line of credit. In addition to interest, you must begin repaying the principal balance.
6 Occupancy-Owner Occupied—Single Family Dwelling, PUD and Condominium. Properties owned for at least one year. First and second liens. Property insurance is always required, and flood insurance is required where necessary. Certain property types are not eligible collateral.
The benefits of a loan for debt consolidation depend on your individual circumstances. Interest payment savings can be made by making monthly payments toward the new lower interest rate loan in an amount equal to or greater than what was previously paid toward the higher rate debt(s) being consolidated.
7 Interest Deductibility. Consult your tax advisor concerning interest deductibility.
8 Property location. Miami-Dade, Broward, Palm Beach, and Monroe counties.
Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.
Offer available for a limited time and subject to change without notice.
HELOCs are available to U.S. Citizens and U.S. Residents.
U.S. Century Bank NMLS#: 990800
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