Home Equity Line of Credit1

Whether you’re remodeling your home, planning for recurring expenses (like a contractor’s bills or tuition payments), or keeping credit available for unexpected expenses, our 30-year Total Line of Credit (TLC) home equity line of credit (HELOC)1 allows you to borrow against the equity in your home, using the money when and where you need it. We make it easy, convenient, and worry-free.

Learn more about our fixed rate options

Our HELOC Rates

We'll pay up to


in closing costs2

Special customer variable rates3 as low as

3.99% APR

Rates without any customer relationship discounts are as low as 3.99% APR.3

  • Borrow up to 89.90% of your home's value4
  • Choose from an interest-only payment option
  • Fix all or a portion of your balance during the draw period5
  • Use your line of credit as often as you like for any amount up to your credit limit
  • Enjoy interest payments that may be tax deductible6
  • Get easy access to your funds by simply transferring money from your HELOC to another account (such as your checking or savings account), writing a HELOC check, or using Visa® Home Equity Line of Credit (HELOC) card
  • Save up to $10,000 on your closing costs2
  • Eliminate private mortgage insurance when purchasing a new home 7

To apply or learn more, visit your nearest Synovus branch or call us at 1-888-SYNOVUS (1-888-796-6887).

Important Disclosure Information

  1. Terms and conditions available for applications taken on or after November 15, 2021. All loans and lines of credit are subject to credit approval. Back
  2. Closing costs paid for Synovus consumer deposit customers who commit and maintain a minimum draw requirement. Closing costs paid up to $10,000 as a bank credit for customers who maintain a Synovus consumer deposit account and commit to a 20% initial draw for 90 days. The initial draw is required to be made within 30 days from establishing the account. If the outstanding balance is not maintained as required, the bank paid 3rd party origination expenses will be added to the outstanding HELOC balance. Other restriction apply for Synovus Inspire and Private Wealth customers. For more information on Inspire, see Synovus.com/SynovusInspire. For more information on Private Wealth, see Synovus.com/PrivateWealth. Generally, closing costs can range from $200–$4,000. If the borrower terminates the line within 36 months of the account agreement, an account closing fee of $200 (except South Carolina) will be charged to the customer. In addition, bank paid 3rd party origination expenses will be added to the outstanding HELOC balance. Back
  3. The interest rate will vary based on Wall Street Journal prime rate (as of November 15, 2021 prime rate is 3.25%) plus a margin. A prime rate of 3.25% (as of November 15, 2021) plus a typical margin of 0.74% would result in a current APR of 3.99% up to 89.90% loan to value (LTV). Back
  4. Rates range from prime plus 0.74% APR to prime plus 6.79% APR; APR is based on several factors including credit history, Loan to Value (LTV), and lien status. APR is subject to a minimum floor rate of 3.99%; the maximum rate is 18%. This rate example features a 89.9% loan to value (LTV). The maximum LTV may vary with the amount borrowed, credit score and property type. Back
  5. The 30-year Total Line of Credit (TLC) offers an interest only or 1.5% payment (or $50 minimum) during the initial draw period of 10 years. The draw period is followed by a 20 year repayment with a payment of 1.5% of the balance (or a $50 minimum). Conversion of all, or any portion of the balance above $5,000, to a fixed rate/fixed term are limited to three options during the draw period; there is a $50 fee for each option. Once converted, that balance will remain at that fixed rate for the remainder of the term selected and cannot be selected for conversion again. The repayment period for these options cannot exceed the TLC's maturity date. Back
  6. Please consult your tax advisor.  Back
  7. Limited to the purchase of primary residences. Purchase money funds are subject to a 30 year repayment at a fixed rate for the remainder of the term. The prime rate is tied to the Wall Street Journal Prime plus the margin approved at the time of opening the TLC. Back