Home Equity Line of Credit

Unlock the power of your home's equity with a flexible credit line.

  • Use for any purchase or expense
  • No origination fee and no appraisal fee1
  • Convenient access to your account when needed

Interest Rates

Offer 1

Introductory rates as low as 1.99% variable APR2 (currently Prime -1.26%) for 12 months with an initial draw of $25,000 or more at closing. Then, Prime -0.01% (now 3.24%) variable APR for the life of the line.

Subject to property type and credit approval.

Offer 2

Rates as low as 3.24% variable APR3 (currently Prime -0.01%) for the life of the line.

Subject to property type and credit approval.

Features and Uses

Enjoy ongoing access to funds (up to your credit limit), so you can borrow and repay money when it's convenient for you.

Plus, BB&T offers its signature Fixed Option Feature on Home Equity Lines of Credit. This feature allows you to lock in balances on your BB&T Home Equity Line with a low fixed rate, term and payment while continuing to allow you access to the rest of your available credit. The best part is, your available credit is instantly replenished as you make payments to the fixed portion of your line of credit.

Some suggested uses for your loan are:

  • Home improvement
  • Major purchases or appliances
  • Tuition or education costs
  • Ongoing or unplanned expenses
  • Debt consolidation
  • Medical expenses
  • Vacation

The interest on your line of credit may be up to 100% tax deductible.4

Fees and Repayment

Fees and Closing Costs: No origination or appraisal fees.1

Maximum Term: Funds may be advanced for up to 15 years.

You have a choice of repayment options:

  • Interest only payments
  • 1.5% of the outstanding balance


You'll have immediate access to money:

  • Write home equity line checks
  • Enjoy 24/7 account access with BB&T Online Banking
  • Call 800-BANK-BBT (800-226-5228)
  • Visit a BB&T financial center or ATM

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

Open an Account


Ready to begin? Get started now.

Visit a BB&T Financial Center