Dream Bigger

5.49% APR* 6 Month Fixed Introductory Rate

Apply For A HELOC Loan Today

Dream Bigger With Our Special HELOC Offer

Open a New Home Equity Line of Credit (HELOC) before 03/31/2025 and Pay No or Low Closing Costs!*

Using the equity in your home can be an excellent way to get the financing you need at an affordable rate. Lake Ridge Bank's Home Equity Line of Credit can help you finance your dreams....whatever they may be. 

  • An updated kitchen or finished basement?
  • A new car, truck, boat or RV?
  • A dream vacation or consolidate your debts?

If you have equity in your home, using that equity can be an excellent way to finance your dreams at an affordable rate.

These Would Go Perfectly With Your New HELOC

Checking Accounts

New clients receive $250 when they start banking with Lake Ridge Bank! Learn more about this great offer. 

Credit Card

Ready to start earning rewards for things you actually want? Learn more about Lake Ridge Bank credit cards today!

Digital Banking

Lake Ridge Bank offers a full suite of Digital Banking services to help you stay connected and in control of your money. 
*After the 6-month introductory period, the APR (annual percentage rate) will be based upon an index plus a margin. The index is the Prime Rate published by the Wall Street Journal, which, as of 12/19/2024 Prime was 7.50%. The margin will be based on your credit score. APR is variable and subject to change monthly but will not exceed 18% or be less than 3.99%. The minimum loan amount is $10,000. Loans are subject to credit approval and program guidelines. Property securing the loan must be an owner-occupied principal residence. This offer applies to new Lake Ridge Bank Home Equity Lines of Credit (HELOC) with applications received between 4/1/2025 and 6/30/2025. To qualify as new, applicant may not have an existing or prior Lake Ridge Bank HELOC within the last 12 months. HELOC requests for credit limits exceeding $400,000 do not qualify for the introductory rate. When refinancing an existing Lake Ridge Bank HELOC, your credit limit must be increased by $25,000 or greater to receive the introductory rate. Special offering is only available with the set-up of automatic recurring monthly payments from a Lake Ridge Bank checking account. Closing costs may include tile insurance ranging from $150-$500 and appraisal costs ranging from $495-$550, if required. All other standard third-party costs are waived. Property insurance is required. If the collateral is determined to be in an area having special flood hazards, flood insurance will be required. Interest rates and program terms are subject to change without notice.