Access cash with a fixed home equity loan or line of credit at a great low interest rate.

Secured by the equity in your home, home equity loans and lines of a credit are one of your most affordable and flexible options for borrowing. Use the money for anything you need, including home improvements, an emergency fund, a vacation, back to school expenses, college tuition, or to consolidate your bills. Getting ready to retire? Prep your budget by consolidating your monthly payments via a home equity loan.

For additional information about KALSEE’s home equity loan options or to apply, please visit any KALSEE office or call 877.KAL.SEE1.


Home Equity Rates


Term 1st lien APR as low as 2nd lien APR as low as
5 years 4.00%* 5.00%*
10 years 4.50%* 5.50%*
15 years 4.75%* 5.75%*
Line of credit 5.50%**



Line of Credit vs. Fixed?


Line of Credit Fixed

  • Ideal for multiple, convenient purchases or expenses over time
  • Remodeling, education, emergency fund, etc.

  • Ideal for one-time expenses
  • Remodeling, debt consolidation, retirement prep, vehicle purchase, etc.

  • Variable, based on Prime
  • Adjusted quarterly

  • Fixed (stays the same over the life of the loan)

  • Up to 18 years (access to credit for the first 8 years, then 10 years for pay-off)
  • No pre-payment penalty, unless the line of credit is closed in the first 3 years

  • Up to 15 years

  • $10,000 – $250,000
  • Combined loan-to-value up to 90%

  • Up to $250,000
  • Combined loan-to-value up to 90%

  • Must be owner occupied
  • Residence or second residence
  • No land contract

  • Application fee, if applicable
  • Appraisal fee, if applicable


*APR = Annual Percentage Rate. Rates are the lowest rate available. Your rate may be higher based on your credit history, term, lien position, and collateral. No down payment is required to obtain the stated rates, when the loan to value ratio is below 90%. To apply for a loan or receive additional information, please contact us at 269.382.7800. Programs, rates, terms and conditions are subject to change without notice. As low as rate includes Perks discounts: VIP = 0.50% APR, Platinum = 0.25% APR. Perks discounts will not be reflected on your contract. The discount will be applied as a credit to your loan balance each month that you maintain VIP or Platinum Perks status.

**APR – Annual Percentage Rate. A Home Equity Line of Credit is a variable-rate loan. Your rate will depend on your term, credit score and loan-to-value ratio. This product has a variable-rate that is based on the market rates (prime plus margin). Your margin will be between 0.00% and 1.00% APR. Your overall rate will never fall below prime, nor will it exceed 15.00% APR. Lines of credit are not eligible for Perks discounts.

***APR = Annual Percentage Rate. Introductory APR is 0.00% thru 12/31/19. After the intro APR expires, balance will be subject to the regular rate disclosed at the time of your closing, determined by your creditworthiness. Verification of income may be required. Property insurance required. Max loan amount is determined by the equity in your home, based on appraised value. The APR is based on an index, the Prime Rate per the Wall Street Journal, and is current as of 4/1/19 and could change at any time. To determine your APR, a margin will be added to your current index rate. In no event will the regular APR be less than the Prime Rate or more than 15.00% or the max rate allowed by applicable law. The minimum monthly payment may change as a result of rate changes. Please see branch for details. Membership eligibility guidelines apply.

NMLS #822986
The legal age to apply for and obtain credit is 18 years of age.