Valerie, David, and Dr. Christian Long

Home Equity Loans

Turn the equity in your home into the cash you need, with instant access and flexible repayment terms. And, unlike credit card interest, home equity interest is often tax deductible. Consult a tax advisor about deductibility of interest.


Home Equity Installment Loan

If you want to borrow money and have equity in your owner-occupied primary or secondary residence, you may be eligible for a Home Equity Installment Loan. Kish is able to structure the loan to fit your specific needs, whether it’s a home improvement project or college tuition. Our rates are fixed, so you have the security of knowing the rate on your loan will never change.

Home Equity Installment Loan Application Checklist


Kish Bank Home Equity FlexLine of Credit

Combine the flexibility of a variable rate line of credit with the dependability of a fixed term loan with a Kish Bank Home Equity FlexLine of Credit.  A FlexLine is an innovative home equity line of credit that allows you to lock up to five installments under the line into a fixed term, a fixed rate, and a fixed payment.  After a one-time approval process, you can have access to your line for up to 15 years, allowing you to meet periodic financial needs. Your credit line can be accessed at any time by loan checks, transferring the funds with Kish Bank OnLine Banking, or at a branch, and the funds can be used to pay for just about anything—vehicles, home improvements, college tuition, travel expenses, or debt consolidation. As you repay the loan, funds become available again for your future needs.

The Kish FlexLine is great when you need a little extra cash or protection from occasional overdraft charges.

FlexLine of Credit Application Checklist

Example: $100,000 FlexLine; FlexLine Installment #1 for new kitchen = $40,000; FlexLine Installment #2 for daughter’s wedding = $20,000; FlexLine Installment #3 for family vacation = $10,000; Remaining equity available = $30,000


Loan Rates

Home Equity Installment Loan 5-Year Fixed 10-Year Fixed 15-Year Fixed
Loan-to-Value </= 80%













Loan-to-Value 80.01% - 90%













The Annual Percentage Rate (APR) shown is available for well-qualified applicants as of 03/13/2018. APR shown requires automatic payments from a Kish Bank account and property nsurance. Flood insurance may be required. All APR and estimated payments are based on a loan amount of $25,000 and do not include taxes and insurance.

Home Equity FlexLine of Credit Annual Percentage Rate Margin Index (Prime)

Loan-to-Value </= 80%




Loan-to-Value 80.01% - 90%




The Annual Percentage Rate (APR) shown is available for well-qualified applicants as of 06/14/2018. APR currently ranges from 5.00% to 5.75%, 15-year term with a LTV of 90% or less and auto-drafting from a Kish Bank account. Maximum interest rate is 21% or maximum allowed by law. Monthly payment is 1.0% of outstanding balance with a minimum of $40.00. If the minimum monthly payment is made during the term of the loan, the final payment may result in a balloon payment. Fees to establish the plan generally total between $350 and $785. Property insurance is required and flood insurance may be required.

To view all rates, click here.


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