Billing cycles for home equity lines of credit cover the interest that accumulates between the day you make a payment and the day your next payment is due (the 25th of each month). 

For example, if you make a monthly payment on January 25, a month’s worth of interest will have accumulated before your next payment is due on February 25. If you paid early, like on February 10, your February payment would be smaller. The interest accumulated from February 11 to February 25 would be added to your March payment. 

Your payment amount will stay consistent if you pay as close as possible to the 25th of each month.

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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.