Get a little something back for all the years you've spent investing in your home. A home equity line of credit (HELOC) uses the equity within your home to provide revolving financing for all kinds of needs!

Unlock the value you've built in your home with a Home Equity Line of Credit (HELOC) from Guaranty Bank. Our HELOC offers our customers a flexible and convenient way to access funds, leveraging the equity you've accumulated in your home over the years. Whether you're planning a major renovation, consolidating debt, or financing a significant life event, our HELOC provides competitive rates and revolving credit that adapts to your ongoing financial needs.

At Guaranty Bank, we understand the importance of having access to funds when you need them most. That's why our HELOC rates are designed to be competitive, offering you an affordable way to borrow. With our HELOC, you'll enjoy the convenience of applying just once and then having the ability to use your credit repeatedly, without the need to reapply. Funds can be easily transferred to your Guaranty Bank checking account online, in person, or over the phone, ensuring you have the financial flexibility you need, right when you need it.


  • Competitive rates available
  • Approval amount based on equity in home
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily available via in-person, online, or phone transfers to a specified Guaranty Bank checking account
  • Local decision-making
  • Use for almost any purpose
  • Streamlined application process

What is a Home Equity Line of Credit (HELOC)?

HELOC is a flexible financial tool that allows you to borrow against the equity you've built up in your home. It operates much like a credit card, giving you access to a revolving line of credit that you can use and repay as needed. The amount you can borrow is based on the equity in your home and other qualifying factors.

How do I qualify for a HELOC with Guaranty Bank?

To qualify for a HELOC, you'll need to have sufficient equity in your home, a good credit history, and meet our lending criteria. The approval amount is based on the equity in your home and your ability to repay. Our local team will guide you through the application process and help determine the best HELOC solution for your needs.

What can I use my HELOC for?

Your HELOC can be used for a wide range of purposes, including home improvements, debt consolidation, education expenses, or even as a financial safety net. The flexibility of a HELOC means you have the freedom to use the funds as you see fit, making it a versatile option for managing your finances.