Our Home Equity Plus combines the flexibility of a variable-rate line of credit with the security of a fixed-rate loan. Starting with a home equity line of credit at a great low annual percentage rate (APR) of Prime, you can take any portion of the outstanding balance and lock it in at any time with a fixed-rate, fixed-term loan. Repayment terms are available up to 20 years. To apply, visit our branches or call us toll-free at 1-866-446-5500. Click here for additional information.