Use your hard earned equity now AND later with a Home Equity Line of Credit Introductory Rate 4.99% APR for the first 12 months After 12 months, the rate will convert to the Anniversary Prime +1 rate that is effective on that date Use the funds for any need Access your funds when you need them. Just transfer funds to your checking account and use your checkbook or debit card to make purchases Funds can be transferred using digital banking