Home Equity Line of Credit (HELOC)

This product is eligible for KeyBank Relationship Rewards. Visit key.com/rewards to learn more. A Home Equity Line of Credit (HELOC) is based on accumulated home equity and offers a variable-rate revolving line that may be borrowed again. If you have multiple needs and prefer flexible payment options, a HELOC may be right for you.

Features and Benefits of Key’s Home Equity Line of Credit

  • Standard and High Value HELOC available, each with its own loan to value amount and minimum/maximum line of credit
  • Easy access to your funds by check, KeyEquity Gold MasterCard®1, or direct transfer
  • Same day decisioning*, the ability to lock in up to three low fixed-rate options, and flexible payment options, including interest-only 
  • Manage your HELOC through Online Banking
  • Interest paid may be tax-deductible2
  • Earn 25,000 KeyBank Relationship Rewards® points for opening a new Home Equity Line of Credit and expanding your relationship with KeyBank.

Standard Home Equity Line of Credit


Up to 85% Loan to Value

High Value Home Equity Line of Credit


85% - 100% Loan to Value