Unlock the Power of Your Home
Your home’s equity isn’t just sitting there—it's working capital waiting to happen. Whether you're renovating, consolidating debt, or covering unexpected expenses, a Home Equity Line of Credit (HELOC) gives you flexible access to funds when you need them.
Why Choose a HELOC?
✅ Low Intro Rate – 6.99% APR for 12 Months*
Enjoy one of the most competitive rates around to kick off your next big move.
Borrow What You Need, When You Need It
Access funds anytime.
Generous Credit Limits
Borrow from $10,000 to $1,000,000 based on your available equity.
Use for Anything
- Remodel your kitchen or bath
- Consolidate high-interest credit cards
- Cover medical bills
- Handle life’s surprises with ease
🔐 Secure and Convenient
- Tap into your line anytime
- Get a lower rate with GPB Checking + Autopay
- Enjoy expert support every step of the way
HELOC Rates*
- 6.99% APR – with GPB Checking & Autopay
- 7.49% APR – without GPB Checking
Get Started Today
Put your home to work for you. Fill out the form and our lending team will be in touch to walk you through your options—no pressure, just possibilities.
Rate valid only for Great Plains Bank home equity line of credit applications and is based on a credit score of 700 or higher and maintaining a GPB checking account with automatic loan payments. Credit scores below 700 may result in a higher rate. Credit line loan-to-value ratio cannot exceed 80%. Credit loan minimum is $10,000 and maximum is $1,000,000 in Texas and $250,000 in Oklahoma. *Annual Percentage Rate (APR): 7.49% and 6.99% APR disclosed above is fixed for the first 12 months of the loan. After the first 12 months, APR is variable for the remainder of the loan term, will vary based on the prime rate (the index) as published in the Wall Street Journal and adjust every 6 months. As of 3/1/25, the variable rate for Home Equity Lines of Credit at Great Plains Bank ranges from 6.99% to 18%. Your actual APR may differ based on your credit history, approved loan amount, term, and financing of fees, if applicable. Rates are subject to change without notice and are based on creditworthiness, loan amount and loan-to-value ratio. Property insurance is required, including flood insurance if applicable, on the property that secures the loan. Some restrictions apply. Fees may include: Appraisal Fee $600, Flood Fee $14, Credit Report Fee $100, Origination and Processing Fee $1,490, and Title/Filing Fees $2,500. Offer ends June 30, 2025. Subject to credit approval. NMLS #458937. Consult a tax advisor regarding the deductibility of interest.