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SmartLock

SmartLock

With this feature, you get the flexibility of a home equity line of credit and the benefits of a fixed-interest rate loan when you utilize SmartLock.

SmartLock

Convert a portion of your HELOC to a fixed rate


Using the SmartLock* feature, you can convert a portion of your home equity line of credit balance into fixed rate loans. This allows you to take advantage of lower interest rates when you know exactly how much you'll need to take out, while still giving you the flexibility of a home equity line of credit.

Using SmartLock can help you consolidate debt and lower your monthly payments. See below for an example of how this could work for you.

Type of Credit Balance Average APR** Approximate Monthly Payment
Credit Card Debt $20,000 12% $400
Auto Loan $25,000 4.18% $462
Swimming Pool $25,000 4.88% $196
Total $70,000 -- $1058
With SmartLock $70,000 4.28% $528
Payments Reduced By $530/mo