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From start to finished basement.

Whether you're in the market for a breakfast nook or a new kitchen, we have a line of credit and a friendly face to make it happen. Our customizable home equity line of credit options will help you take on a new project or consolidate your existing debt to reduce your monthly payments.

Home Equity Line of Credit (HELOC)

The equity you have built in your home can help you obtain money for almost anything you need—fund a college education, complete home improvement projects or consolidate your bills. The home equity line of credit is a flexible product with competitive interest rates and a portion or all of your line may be fixed.

A HELOC is very useful if you anticipate expenses over a period of time. It uses your home as collateral and because it is a line-of-credit, you can get the money you need, when you need it. Funds may be accessed using checks, online, at the ATM or at your local branch.

Home Equity Line of Credit with Fixed Rate Conversion Option (FRCO)

Columbia offers a flexible variable-rate HELOC product where a portion or all of your line can be fixed. This product will meet your needs if you are looking for a fixed-rate conversion option or a variable-rate HELOC.

  • Access your funds using line-of-credit checks or make withdrawals at your local branch.
  • Continuous borrowing is available for funding ongoing expenses such as home improvement projects or other household expenses.
  • Ideal if you prefer to borrow only when money is needed.
  • Available for owner-occupied, single-family residences.*
  • Minimum line of credit loan amount is $5,000.
  • Upon closing, you can access funds when needed.
*Contact your local branch for terms on second home and rental properties.
All loans subject to credit approval.

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