For your home equity line of credit (HELOC), your monthly payment, during the draw period, is interest only and based on the balance used or $30 - whichever is greater. 

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Equal Housing Lender. With Approved Credit. Some restrictions apply. Property and flood insurance may be required. Message and data fees may apply from your wireless carrier. $5 minimum deposit to open membership. * APR = Annual Percentage Rate. Maximum APR is 18%. The minimum monthly payment is interest only or $30, whichever is greater, for the first 5 years. After the 1st month or 36th month depending on the product you choose, your rate is based on an index plus a margin and varies monthly. The margin may vary based on credit score and loan to value. As of 04/17/2025 the fully indexed rate is as low as 7.50%. The index is the Highest Prime Rate published in the Wall Street Journal as of the 25th day of each month. Underwriting, closing and title fees estimating around $465 may apply.