Home Equity Line of Credit

Leverage the equity of your residential property

Home Equity Line of Credit

When you’re looking at using the equity of your residential property to cover the cost of a major expense, like the down payment on a second home or real estate investment, or to purchase a luxury boat or car, or to have a line of credit to cover an unexpected expense, consider the Home Equity Line of Credit from The Private Bank at Commerce Trust.

Home Equity Line of Credit
  • Ideal for any large expense — especially when you don’t need the money all at once or are not sure of the total amount needed
  • Variable interest rates based on the Prime Rate1
  • Monthly payments as low as interest only
  • Easy ongoing access to money for a series of expenses
  • Reusable whenever you need to borrow
  • Interest may be tax deductible2
  • No application fees, no bank fees at closing and no early payoff fees3

Learn how The Private Bank at Commerce Trust can provide personalized guidance for your lending needs

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The Private Bank at Commerce Trust

Banking Tailored Specifically to You

Our Private Banking team focuses on understanding and serving the lending, deposit and cash management needs of high-net-worth individuals and families. Your Commerce Trust Private Banking Relationship Manager will take time to get to know you, understand your unique situation and offer banking advice to help you leverage efficient and cost-effective banking solutions that can save you time and money and allow you to invest in your personal and financial goals.

Commerce Trust provides a full range of wealth and investment planning services to individuals and institutions. We provide a level of commitment to our clients by building a team of specialists who can provide comprehensive and holistic wealth management solutions through investment management, financial planning, tax planning, private banking, and trust and estate services.

Learn more about The Private Bank at Commerce Trust


1 The Prime Rate used to determine the APR on your account is the U.S. Prime Rate published in The Wall Street Journal in its column called “Money Rates” on the last business day of each month.

2 Consult your tax advisor regarding the deductibility of interest.

3 Missouri, Kansas, Illinois and Colorado residents incur no fees or closing costs. Oklahoma residents are required to pay state mortgage tax of no more than $.10 per $100 of mortgage filed; no other fees or closing costs apply. Insurance must be carried on the property securing the loan.

The Private Bank at Commerce Trust is a business unit of Commerce Trust, a division of Commerce Bank, member FDIC.