Interested in a home equity line of credit?

Visit a branch to apply today

800-334-9007

Our HELOC Rates

12-Month introductory rate3

1.99% APR

Special customer variable rates4 as low as

5.00% APR

Rates without any customer relationship discounts are as low as 5.50% APR.4

  • Borrow up to 89.9% of your home's value
  • Choose from an interest-only payment option 
  • Fix all or a portion of your balance during the draw period6
  • 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 deductible7
  • 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 your Visa® Platinum HELOC card
  • Save up to $500 on your closing costs2

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

Important Disclosure Information

Subject to credit approval. Offer and rates subject to change without notice. Offer limited to new home equity lines only, secured by a valid first or second lien position on owner-occupied primary or secondary dwelling. Mobile homes not eligible. Property insurance and appraisal will be required. Flood insurance may also be required. Consult a tax advisor regarding deductibility of interest.

Banking products are provided by Synovus Bank, Member FDIC.

  1. A minimum $10,000 initial draw is required. Introductory annual percentage rate (APR) will not increase for the first twelve (12) billing cycles of the account. Introductory rate offer cannot be combined with other pricing discounts. Back
  2. Rates range from prime to prime plus 10.79% APR; APR is based on several factors including credit history, Loan to Value (LTV), and lien status. The actual rate offered at the end of the introductory period will be determined based on credit history and Loan to Value (LTV). An increase in the rate will result in higher payments. APR discounts are limited to .50%. APR is subject to a minimum floor rate of 4.00%; the maximum rate is 18%. This APR example represents .25% discount for auto deduct from a Synovus personal deposit account and a .25% discount for $20,000 or more in total balances at the bank. Up to 89.9% loan to value (LTV). Twenty thousand ($20,000) or more liquidity with Synovus is defined as all Consumer Deposits (CD, checking, MMA, saving), Business Deposits (if client has controlling interest in the business), Brokerage and Trust. Qualifying balances determined using 12 month rolling average for existing accounts; new accounts qualified using current value; loan balances not eligible for qualifying.

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  3. After the introductory period, the interest rate will vary based on Wall Street Journal prime rate (as of 9/18/2019 prime rate is 5.00%) plus a margin. A prime rate of 5.00% (as of 9/18/2019) plus a typical margin of .50% would result in a current APR of 5.50%. Up to 89.9% loan to value (LTV).

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  4. Closing costs paid for Synovus personal deposit account holders only. Closing costs paid up to $500 (up to $2,000 for collateral properties located in Florida and South Carolina). Generally, closing costs can range from $200 – $4,000. If the borrower terminates the line within 24 months of the account agreement, an account closing fee of $200 up to $1,500 will be charged to the customer.

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