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Home Equity Lines of Credit

It's all about equity

If you've built up equity in your home, a Home Equity Line of Credit will reward you for your diligence with interest rates that let you borrow against up to 85% of your home's available equity.
Person putting up new wallpaper with new funding through BOK HELOC loan.

More about our home equity lines of credit

With a Home Equity Line of Credit, you can access up to 85% of the equity in your home at any time. When you apply for a HELOC, you may choose a monthly payment structure based on the outstanding principal plus interest or opt to only pay interest on the money you advance. This gives you flexibility and affordability.

You've worked hard to build equity in your home, and you deserve to be rewarded. With a Home Equity Line of Credit, take advantage of variable rate options. Plus, you'll have a repayment term, up to 15 years.

With our one-time approval, there's no need to reapply every time you need additional funds. You simply advance on your approved credit line at your convenience. And keeping track of your HELOC is easy, with up to seven years of online statements, and 18 months of transaction history at your fingertips in Online and Mobile Access.

SmartLock gives you the flexibility of a home equity line of credit and the fixed-interest rates of a home equity loan.

A processing fee of $180-$350 depending on loan amount is due at closing. 2


Get the best of both worlds with SmartLock,1 by converting portions of your line of credit balance into fixed rate loans. SmartLock gives you the confidence of a fixed rate when you know exactly how much you'll need to take out, while still giving you all the flexibility of a home equity line of credit.
  • HELOC - Flexibility


    With SmartLock, you never lose the flexibility in your HELOC. Once you've locked a portion of your loan, you can still use the rest of your available credit at any time and on anything you need.
  • HELOC - Stability


    With SmartLock, a portion of your line of credit will have the stability of a loan. That means you'll lock in an interest rate, know your monthly payments in advance, and have the ability to set up automatic payments through your checking account with us.
  • HELOC - How it works

    How It Works

    After you've made an advance from your line of credit, use SmartLock to lock those balances into separate fixed rate loans. Or, for even more savings, you can bundle several advances together at one rate. Then, you can continue to borrow from the remaining portion whenever you need.
  • Lower your HELOC Payments

    Lower Your Payments

    Using SmartLock can help you consolidate debt and lower your monthly payments.

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