when you want to borrow from the equity you’ve gained, we want to help.

To receive relationship benefits on a new KeyBank home equity loan, which provides a 0.25% interest rate reduction, you must have owned a Relationship Account at any time during the home equity loan application process, but no later than seven (7) business days prior to the closing of the home equity loan. This Interest rate reduction is available on new KeyBank home equity loan applications only.

As an alternative to the relationship benefit, you may obtain a 0.25% interest rate reduction if you complete and submit, no later than seven (7) business days prior to the closing of the home equity loan, the Monthly Automatic Payment form to have your recurring payment for your KeyBank home equity loan automatically deducted from an "Eligible KeyBank Consumer Checking Account". 

For home equity loans, the 0.25% interest rate reduction will be reflected in the interest rate on the Promissory Note. 

"Relationship Account" means (A) an open Eligible KeyBank Consumer Checking Account with five (5) or more Qualifying Transactions posted to a single Eligible KeyBank Consumer Checking Account in a calendar month, which may not be aggregated across other accounts you own, OR (B) an open Key Private Bank Checking or Key Private Bank Personal Checking account.

An "Eligible KeyBank Consumer Checking Account" means: any KeyBank consumer checking account designated as a personal checking account by KeyBank, including KeyBank's Hassle-Free checking account, but excluding a health savings account.

"Qualifying Transactions" include, but are not limited to, point of sale transactions, bill payment(s), ATM transactions, check, cash or direct deposits, and electronic funds transfers. Qualifying Transactions exclude adjustments, advances, reversals, refunds, account to account transfers, person-to-person transfers, interest, service charges, and service fees. Qualifying Transactions must be completed at least three (3) business days prior to application to be eligible for inclusion in determining whether you met the "Relationship Account" portion of the "Bank with Key" criteria.

The 0.25% interest rate reduction may not be combined with certain other discounts or promotions and may not be available for all home lending products. Other terms, conditions, and/or limitations may apply. Contact KeyBank Home Lending for more details.

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.

NMLS #399797.  Equal Housing Lender.