Apply Online for a Home Equity Line of Credit

Home Equity Loans & Lines of Credit

Borrowing solutions for homeowners to remodel, repair or whatever you need!
  • Interest may be tax-deductible1
  • NO early payoff fees
  • NO application fees
  • NO bank fees at closing

  Home Equity Loan Home Equity
Line of Credit
  • Get the full amount you need at once
  • Debt consolidation or major purchase
  • Access funds as you need them
  • Home remodel, wedding expenses
Monthly Payments

Fixed monthly payment

Variable monthly payments

Interest Rate

Fixed rate for life of the loan

Variable rates that follow the market

Term Options

Up to 12 years

10 years

Loan Amount

Up to 90% of the equity in your home

Up to 90% of the equity in your home

Access to Funds

Single, lump-sum payment

Write checks, transfer funds through Online Banking or in a branch as you need money

Tax savings potential1



Rate Discounts

Discount of up to 0.75%2

View special offers

Closing Fees




Apply Online >

Apply Online >


  1. Consult with your tax advisor regarding the deductibility of interest.
  2. Up to 0.50% discount for those who choose automatic payment from their CommerceOptionsSM checking account, plus an additional 0.25% discount if refinancing from another lender. Mortgages and dealer loans are not eligible to receive the personal loan discounts. Additional refinancing option is limited to one discount per new installment loan, and is not applicable to Commerce credit card or loan account payoffs. Subject to credit approval. CommerceOptions requires significant product relationships or a $12 or $20 monthly fee.
  3. Missouri, Illinois and Colorado residents incur no fees or closing costs. Kansas residents are required to pay state mortgage tax of $1.00 per $1,000 of mortgage filed. Oklahoma residents are required to pay state mortgage tax of no more than $.10 per $100 of mortgage filed; no other fees or closing costs apply.
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