Limited Time Promotional Rate!

This Fall Get The Money You Need To Do 
The Things You Want With a Fall Fix Up HELOC!

LIMITED TIME ONLY!!

Apply Online Now!

Introductory Rate Options (first 12 months): *5.49% annual percentage rate (APR) with automatic payment from a State Bank Financial checking account. 5.99% APR without automatic payment from State Bank Financial checking account. If the checking account is closed during the promotional period, the APR will revert to the post-promotional variable rate as disclosed in your loan agreement. Post-promotional Rate: **After 12 months, the interest rate will become variable and may change monthly. The rate is based on Wall Street Journal Prime Rate plus or minus a margin, determined by your credit score and loan to value (LTV), as disclosed in your loan agreement. As of September 30, 2025, the Prime Rate is 7.25%. Current variable APRs range from 7.25% to 8.00%, with a lifetime minimum of 4.00% and maximum of 18.00%. APR example provided above assumes a credit score of 740+ with an LTV of 50% or less. Additional Info: Subject to credit approval. Offer valid on applications taken 10/15/2025-12/31/2025. Loan must close by 4/30/2026. Promotional rates apply to new HELOCs of $10,000 or more or increases of $10,000 or more to an existing HELOC. Available to qualified borrowers for owner-occupied, single-family residences located in WI and MN. Proof of homeowner's insurance and flood insurance (if applicable) is required. Consult a tax advisor about interest deductibility. Third party fees generally range from $431.43-$2,085.29; closing costs vary. MN residents are subject to a mortgage registration tax of $2.30 per $1,000 borrowed. No membership, participation fees, or activity charges apply. A good faith estimate of fees is available upon request.

Equal Housing Lender. Member FDIC.