Home Equity Line of Credit

Unlock the power of your primary or secondary home's equity with a flexible credit line that lets you access your money when you need it. A Home Equity Line of Credit can be used for large purchases, home improvements, tuition, and even vacations—whatever you choose.


  Offer 1 Offer 2
Interest Rates Rates as low as 1.99% variable APR (Currently Prime minus 1.26%) for 12 months when an initial draw of $20,000 is taken at closing. Then, Prime plus 0% variable APR (Currently, 3.25%)1 for the remaining life of the line.

Subject to property type and credit approval.
Rates as low as Prime plus 0% variable APR (Currently, 3.25%)2 for the life of the line.

Subject to property type and credit approval.
Features Enjoy ongoing access to funds (up to your credit limit), so you can borrow and repay money when it's convenient for you. The Home Equity Line of Credit can be used in first or second lien financing.
Recommended Uses
  • Home improvement
  • Tuition or education costs
  • Ongoing or unplanned expenses
Maximum Term Funds may be advanced for up to 15 years
Tax Advantages Interest may be up to 100% tax deductible3
Choice of Repayment Options
  • 1.5% of the outstanding balance
  • Interest-only payments
Fees and Closing Costs No origination or appraisal fees4
Fixed Option Feature
  • Create up to three loans with a fixed rate, term, and payment within your line of credit.
  • Your available credit is instantly replenished as you make payments to any Fixed Option loan.
Immediate Access to Money
  • Write home equity line checks
  • Enjoy 24/7 account access with BB&T OnLine
  • Call 800-BANK-BBT (800-226-5228)
  • Visit a BB&T financial center or ATM
Overdraft Protection

Avoid overdraft fees and protect your credit rating by linking your Home Equity Line of Credit to a BB&T checking account.

Learn More | View Overdraft Notice

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