Premier Valley Bank
Home Equity Line of Credit

Use the equity available in your home to fund your passions at an affordable rate.

Limited Time HELOC Offer

Limited Time HELOC Offer


Fund Your Passion With a HELOC - No Closing Costs!4

Whether it's navigating the great outdoors, kicking your favorite dish up a notch with your culinary skills, furnishing your living space with just the right look and feel, or anything in-between Premier Valley Bank is here to help fund your passion.

Take advantage of these additional rate discounts after the introductory rate based on eligible deposit accounts held at Premier Valley Bank.3

Rate Discount Deposit Account Balance APR
0.00% $0 - $49,999.99 as low as 4.00%2
0.25% $50,000 - $99,999.99 as low as 3.75%2
0.50% $100,000 - $199,999.99 as low as 3.50%2
0.75% $200,000 and above as low as 3.25%2


Click here to view an important note before clicking on links within the video.

What’s the difference between a Home Equity Line of Credit and a Home Equity Installment Loan?

Both loans use the equity in your home as collateral, so what’s the difference?

A Home Equity Line of Credit (HELOC) is a revolving credit line similar to a credit card. The borrower can draw money on the HELOC, pay it back, and then draw on it again if they choose. 

A Home Equity Installment Loan is a fixed term loan with a fixed interest rate. The borrower will receive the lump sum of the amount they are approved for, and then will pay it back with a fixed term and fixed interest rate.

A HELOC may be the best option if you aren’t sure when or how much money you need. If you do not draw money from your HELOC, you do not have to make any payments. A Home Equity Installment Loan would be a good option if you have a larger project that you know the cost of up front.

Contact Us to Get Started

Get Started Now
Through Video Banking

Talk to your banker live, face-to-face with video banking through your laptop or mobile device. Apply for a HELOC with our help every step of the way. Have a question? Just ask!

Start Video Call

Schedule an Appointment

Video Banking is available:

Monday - Friday: 8:30 am. - 9:00 p.m.
Saturday: 9:00 a.m. - 1:00 p.m.
Sunday: 12:00 - 4:00 p.m.

Prefer an app experience?
We have that too.

Download the mobile app here:

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Speak With One of Our HELOC Experts


Tara Blanchard, NMLS #1896645


Michelle Hager, NMLS #1223973


Linda Duccini, NMLS #537310


Nikki Peebles, NMLS #539666


Kyle York, NMLS #930003


Brenda Nayonis, NMLS #509216


Justine Gallegos

NMLS #1432176


Shirl Welch

NMLS #539909


Michelle Vasquez

NMLS #1530378


Carrie Taylor

NMLS #539907


Jessica Hayes, NMLS #925249


Dominic Paxinos, NMLS #543066


Matthew Long, NMLS #935625


Kate Jones, NMLS #1965532


Regina Esquibel, NMLS #421472


Nayri Anwaya, NMLS #725497



1Annual Percentage Rate (APR) shown above is variable after 6-month introductory rate and subject to change without notice. Introductory APR for loan-to-value (LTV) between 80% - 90% will be 3.24%. After the introductory rate, the index used to determine the interest rate is the Wall St. Journal Prime Rate. Index as of 03/05/2021 was 3.25%, plus a margin of 0.75%. Your margin and APR will be based on credit history, loan-to-value, eligible deposit account balance with Premier Valley Bank and automatic monthly payments. The minimum APR for plans with an 80% or less LTV is 3.25% and LTV between 80%-90% will be 4.50%. Maximum APR is 17.50% on all plans. $50 annual fee will be assessed on the anniversary date of the loan.
2Automatic payment from Premier Valley Bank checking account is required or 0.25% will be added to the APR.
3Eligible deposit accounts include personal consumer checking, savings, and money market accounts. Funds must be in deposit account prior to final loan approval.
4No closing costs. Hazard insurance is required and flood insurance may be required. The offer is available on new lines only, owner occupied homes. Not available on piggyback loans to purchase property, homes that are for sale and/or listed for sale, purchase money HELOCs and refinancing existing bank mortgage or HELOC debt even if new money. Subject to credit approval and normal underwriting guidelines. Contact lender for details. Apply by 3/31/2021.

IMPORTANT NOTE WHEN CLICKING THROUGH TO EXTERNAL WEBSITES: When clicking on links within the video, you will be linking to another website not owned or operated by Premier Valley Bank. Premier Valley Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. We encourage you to review their privacy and security policies which may differ from Premier Valley Bank. Click to go back to video.

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