Home Equity Lines of Credit (HELOC)

See the benefit from the value you’ve built. 

Your home has built-in potential. A HELOC gives you ongoing access to funds without reapplying each time you need them. 

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Features of a Home Equity Line of Credit

  • Access ongoing funds with one simple application 
  • Revolving credit becomes available as you repay 
  • Cover a wide range of personal needs
  • Turn the equity in your home into ongoing, affordable financing 
  • Competitive rates for several ongoing or seasonal needs: 
    • Education expenses 
    • Major life events 
    • Major home improvements 
    • Debt consolidation 
    • Emergency reserve 
    • And much more 
  • The existing equity in your home is used as collateral backing 
  • Accommodating repayment terms that work uniquely for you 
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter 
  • Revolving credit — as principal is repaid, more becomes available for use 
  • The interest paid might be tax deductible* 
  • Quick, local decision-making and processing right here in Middle Tennessee 
  • Attentive, friendly service from start to finish 

 

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*Consult a tax advisor. 

CalculatorDisclaimer

Use this calculator to determine your projected earnings from our account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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  • Net cost of buying $0
  • Net cost of leasing $0
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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Current CD Rates

7-Month CD Special

13-Month CD Special

3.65% APY*

3.25% APY*

*7-month certificate automatically renews into a 6-month term at prevailing rates unless redeemed within 10 days of maturity. 13-month certificate automatically renews into a 12-month term at prevailing rates unless redeemed within 10 days of maturity. $1,000 minimum balance required. Annual Percentage Yield (APY). Penalty for early withdrawal. Fees may reduce earnings. No institutional investors. Rates effective December 22, 2025. Limited time offer. Rates subject to change without notice.

Kasasa Cash*

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $x 0.00% 0.00%
$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

xx

Kasasa Saver*

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $x 0.00% 0.00%
$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

xx