All HELOCs
National bankvariable APR FDIC
Capital OneHELOC
Capital One Home Equity Line
A traditional bank HELOC with broader credit-score eligibility and in-branch support.
8.75%
variable APR
Draw period
10 years
Repayment period
20 years
Closing costs
$250
Annual fee
$50
Min credit score
660
Max CLTV
80%
Min loan
$10,000
Max loan
$250,000
Pros and cons
Pros
- Lower minimum credit score
- Branch and online support
- Predictable monthly draw periods
Cons
- Annual fee after first year
- Origination fees apply