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Keep your money at your fingertips with a Key Equity Options® home equity line of credit. Easily access funds and manage your budget with flexible payment options, so you can get closer to reaching your financial goals.


Combined Loan-to-Value (CLTV)

Up to 100% CLTV1

Interest Rate

Variable, with up to three options to lock in a fixed rate


Up to 15 year draw period2

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Client Discount

.25% interest rate discount for qualifying KeyBank clients


  • Get a .25% interest rate discount when you have a KeyBank checking and KeyBank savings account
  • Revolving credit allows you to borrow against your home equity, repay and borrow again
  • Borrow up to 100% of your home’s value, across the combined balances of all loans1
  • Flexible payment options, including principal and interest, interest-only, or fixed
  • Interest paid may be tax-deductible3
  • Access your funds with checks, in a branch, or in online banking

Standard Home Equity Line of Credit

Up to 85% Combined Loan to Value1

High-Value Home Equity Line of Credit

85% - 100% Combined Loan to Value1

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products, including mortgage, home equity loans and home equity lines of credit, are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.

To apply for a home equity line of credit, you must:

  • Be 18 years of age or older
  • Live within any one of the United States except the following: AL, AZ, CA, DC, NV, TX. For subject properties outside of AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT or WA call 1-888-KEY-0018 (1-888-539-0018) for product information or to submit an application
  • Agree to provide additional personal and business information, if requested, such as tax returns and financial statements
  • Certify that all information submitted in the application is true and correct
  • Authorize the bank and or a credit bureau to investigate the information on the application

Please read our Disclosures. If you applied for your credit account online within the last 90 days, you may also review the original disclosures provided to you.


Loan to value ratios apply only to loans secured by owner-occupied real estate.


Subject to credit approval. Variable annual percentage rates listed in the "Rates and Fees" links above for the home equity line of credit are based on The Wall Street Journal Prime Rate (Prime) and are as low as Prime -0.55% (4.20% APR as of 1/17/2020). The variable APR will never exceed a maximum of 18.00%. Your actual APR will be determined by product and credit qualifications. An annual fee of up to $50.00 may apply. Hazard insurance and, if applicable, flood insurance is required on collateral property. Certain collateral restrictions apply. Lines above $500,000.00 secured by real estate pay title insurance premium. Lines of credit over $500,000 in New York and certain designated out of footprint states pay mortgage tax ranging from $0.50 to $2.80 per $100 total line amount. All Florida lines of credit pay documentary stamp and intangible tax of $0.55 per $100 total line amount. Up to three fixed rate options are available. A fee of $50.00 applies for each fixed rate option advanced. A fee of $50.00 applies if a Fixed Rate Option is unlocked.

You can obtain advances of credit for fifteen (15) years during the draw period. For Connecticut mortgages, you can obtain advances of credit for 118 months.

Reimbursement of Lender Paid Costs: If you voluntarily close your line of credit and terminate your account within 36 months of the date you sign the agreement, you will reimburse Key for bona fide fees it paid to third parties on your behalf in connection with the opening of your account. These fees may include costs of appraisal, title, and flood certification fee and where applicable, mortgage tax. Additional information is provided in the financial information disclosure in your application kit. The amounts also will be itemized in your Key Equity options agreement. This provision will not apply to the exercise of any applicable right to cancel or rescind under the Federal Truth In Lending Act or Regulation Z.

Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.


Consult your tax advisor regarding the deductibility of interest.

NMLS# 399797

Home Loans & Lines

Get A .25% Interest Rate Reduction, Just for Keybank Clients

Home Ownership

What Is Home Equity? Choosing a Home Equity Loan or a HELOC

Home equity is the value you own in your home, and you can borrow against it with a low-interest loan or line of credit.

February 2017 What Is Home Equity? Choosing a Home Equity Loan or a HELOC
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