Home Equity Lines of Credit (HELOC)

Enjoy the benefits of revolving credit along with the competitive rates offered from a secured loan.

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 February 25, 2026, the Prime Rate is 6.75%. Current variable APRs range from 6.75% to 7.50%, 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 3/1/2026-5/31/2026. Loan must close by 9/30/2026. 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.

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Utilize the equity in your home as collateral to secure financing
Competitively low rates for a wide range of seasonal or ongoing needs:
- Auto purchases
- Home remodeling
- Educational costs
- Debt consolidation
- And more!
Flexible terms, customized to each customer's unique situation
The interest paid may be tax deductible*
Only pay interest on the part that's used
Funds can be accessed whenever, wherever by writing a check or transferring funds online or over the phone
Revolving credit line; as balance is paid down, more credit is freed to use again
Attentive service from a qualified staff that puts you first
Local decision-making and processing