Vectra Bank Colorado

Home Equity Credit Line

Home Equity Line of Credit

There has never been a better time to get a Home Equity Line of Credit from Vectra Bank. With interest rates at historic lows, you can make something that was seemingly out of reach well within your means.

Home Equity Line of Credit*

For most homeowners, a Home Equity Line of Credit* is one of the easiest and most economical ways to borrow. You can use the equity in your home to consolidate high interest rate bills into one monthly payment. Or finance major expenses such as college tuition, home remodeling and renovation – even vacations, new vehicles and more!

With competitive rates and flexible terms a Vectra Bank Home Equity Line of Credit may be the ideal solution for you. April 1 – June 30, 2016, Vectra Bank is offering a Home Equity Line of Credit with a fixed introductory rate of 1.99% APR1 for the first twelve billing cycles, 3.99% APR variable rate thereafter, with no closing costs on loans up to $250,000.1

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If you need assistance in deciding which loan is right for you or if you prefer to apply over the phone, please call us at 1–888–294–7838. You can also visit one of our personal bankers at a branch near you.

**Important Details**
*Loans and Credit Cards: All credit products are subject to credit approval. Terms and conditions apply. See Home Equity Line of Credit Terms and Disclosures. NMLS #467014

1. Special Offer: Loans subject to credit approval. Terms and conditions apply. Offer applies to applications taken between April 1, 2016 and June 30, 2016. Loan must close by July 30, 2016. Minimum line amount is $5,000. Annual fee is $75 after first year. Checks written for less than $250 are subject to a fee of $15. Collateral must be owner-occupied single family residential property, a secondary residence, or vacation property. Property insurance required. Offer subject to change any time. Advertised APRs are current as of 04/01/16. APRs are subject to change without notice. The advertised 1.99% introductory APR is fixed for the first twelve billing cycles and reflects a .25% discount for auto-pay from a Vectra Bank checking account. After the introductory period, variable APR of 3.50% – 4.49% based on credit-worthiness and other factors. Post introductory variable APR is based on the Wall Street Journal Prime Rate (3.50% as of 04/01/16) plus a margin. The minimum variable APR will not be lower than 3.50% and the maximum APR will not exceed 21%. The advertised post introductory period APR reflects the premier rate of 3.50% + .99% with a .25% discount for auto–pay and a .25% discount for first lien position. Post introductory APRs for lines with a second lien position will be .25% higher. Customer responsible for origination fees and closing costs if loan is more than $250,000, which may range from $325-$3,600 depending on line amount and other factors. Other terms and conditions apply. Other rates and terms are available. Contact bank for details.