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Prime rate

Understanding Prime Rate

The balance of your HELOC is subject to changing rates. This means that, whenever rates increase or decrease, your payment will increase or decrease as well.

US Prime rate for 2008 at 6.5%, 3.25% for 2015, 3.75% for 2016, 4.25% for 2017 and 5.5% for 2018. Historical average is 6.9%. Source: FedPrimeRate.com

We have options to help minimize the impact.

Pay Down Your Principal

Pay down your principal to reduce the increase in your monthly payment.

Lock In Your Rate

If you’re in your draw period, lock your existing balance into a fixed-rate.

HELOC Resources




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