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You've got big plans. KeyBank can help you attain them with a home equity loan. Our loans let you to borrow against the equity in your home with a fixed rate and term. So, go ahead and plan. We'll help make sure you have the money you need.


Overview of product features.
Combined Loan-to-Value (CLTV)

Up to 90% CLTV1

Interest Rate



Five to 30 years2

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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
  • Fixed rate, one-time distribution loan
  • Borrow up to 90% of your home’s appraised value across the combined balances of all loans1
  • Interest paid may be tax-deductible3
  • Access your funds with checks, in a branch or in online banking

Standard Home Equity Loan

Up to 80% Combined Loan-to-Value1

High-Value Home Equity Loan

80.01% - 90% 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 loan, you must:

  • Be 18 years of age or older
  • Live within the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • 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. The APRs listed in the "Rates and Fees" links above include a $295.00 origination fee. Loans above $500,000.00 secured by real estate pay title insurance premium. NY and FL loans above $500,000.00 pay mortgage tax and doc stamps. Typical loan payment examples are as follows: If you borrow $25,000 secured by an owner-occupied home, for 120 months at 4.33% APR, the monthly payment would be $257.05 or if you borrow $50,000 secured by an owner-occupied home, for 240 months at 4.20% APR, the monthly payment would be $308.29. Non-owner-occupied financing is also available. Ask us for details. Actual rates, APRs, fees, payment amounts and terms are based on loan-to-value (LTV), product, term, loan amount and credit qualifications. Rates are subject to change without notice and are determined from those offered as of the date of application.

Reimbursement of Lender Paid Costs: If you voluntarily prepay your loan in full and terminate your account within 36 months after you sign the note, 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. These fees are shown as itemized estimates on your loan estimate provided to you within three (3) days of your application, as final itemized amounts on your closing disclosure sent to you at the time of final loan approval and as itemized amounts in your fixed rate note. 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, or if the term of the loan is 36 months or less.


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.
Debt Consolidation

paying off debt is doable with these options and offers.

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