FDIC-Insured - Backed by the full faith and credit of the U.S. Government

CTBC HELOC

Unlock Financial Freedom with a Home Equity Line of Credit

Unlock the Power of Your Home with a CTBC HELOC

We offer competitive rates, timely closings, and dedicated customer service to help achieve your financial goals with confidence.

LIMITED TIME OFFER

5.99% APR for the first 6 billing cycles.

After the first 6 billing cycles, your APR will change to the variable rate under the plan -

currently 7.50% APR, based on the current index and margin.*

Use Your HELOC To: 

Home
Renovate or improve your home
Credit Card
Consolidate debt
Investment
Invest in your future
Travel
Fund a well-deserved vacation
Expenses
Cover major expenses with ease

Why Choose CTBC HELOC?

HELOC
  • Fast and reliable closing process
     
  • Line amounts up to $1,500,000 for 1st liens**
     
  • Line amounts up to $3,000,000 when combined with a 1st lien CTBC mortgage**
     
  • Access up to 60% of your property’s value**
     
  • Convenient advances during the 10-year draw period

We proudly serve a diverse range of borrowers:  

HELOC
  • U.S. Residents 
     
  • Non-Permanent Resident Aliens 
     
  • Foreign Nationals

Questions?

To learn more about CTBC HELOC programs, you can reach us here:

*Get a 5.99% Annual Percentage Rate (APR) promo rate for your first 6 billing cycles just apply by March 31, 2026! Property must be located in CA, NY, or NJ. All rates, fees, products, and program guidelines are subject to change or discontinuation without prior notice. Additional limitations and restrictions may apply. All loans are subject to credit approval. 

 

**Annual Percentage Rate (APR) will not exceed 18% for CA and NJ; and 16% for NY; or go below 3.75% at any time during the term of your account. The line of credit has a variable rate feature, and the annual percentage rate  (corresponding to the periodic rate) may change as a result of this feature. An origination fee of 0.25% of the credit limit applies to consumer accounts; 1% of the credit limit applies to revocable trusts. You must pay certain fees at closing to third parties in order to open your line of credit. The third party fees you must pay at closing generally total between $1,100 and $4,500. Other fees: A wire fee of $30 is due for each request to wire an advance of funds from your HELOC account. An annual fee of $100 applies, due each year beginning on the first anniversary until the end of the Draw Period. Property insurance is always required, and flood insurance is required when applicable.