Apply Online for a Home Equity Line of Credit

Home Equity Lines of Credit

An ongoing source of funds as you need them – great for
do-it-yourself projects.

  • Get a 2.99% Intro APR for 6 months then 4.50% - 6.25% variable APR1
  • Reusable source of credit
  • Variable rates that follow the market
  • Interest may be tax deductible1
  • No application fees, no bank fees at closing and no early payoff fees

How to access your line of credit:

Get more with Commerce

Open a Home Equity Line of Credit and get a 2.99% intro APR for 6 months then 4.50% - 6.25% variable APR1.


Monthly Interest-Only Payment @ 2.99% APR1, 2

Monthly Interest-Only Payment @ 4.50% APR2

Monthly Interest-Only Payment @ 5.00% APR2

Balance due at end of 10-year term if only interest is paid each month
















Home Equity Loan or Line of Credit: Which is right for you?


  1. Limited time offer. Subject to credit approval. Introductory Annual Percentage Rate (APR) of 2.99% available on new lines of credit only with combined loan-to-value (LTV) ratio (including prior mortgages or liens) of 90% or less. Initial rate is fixed for 6 months following account opening date, and is not based on index and margin used for later rate adjustments. Introductory rate offer not available for refinances of existing Commerce Bank Home Equity Lines of Credit. After the 6 month introductory rate period, the rate is a variable rate subject to change with the changes in the Prime Rate. Rate offer of 4.50% APR available only on new lines of credit with combined LTV ratio (including prior mortgages or liens) of 80% or less, and reflects the rate discount of 0.50% for CommerceOptionsSM Premium checking account customers. CommerceOptions requires significant product relationships or a monthly fee of $12 (Plus) or $20 (Premium). The APR may range from Prime Rate plus 0.75% to Prime Rate plus 2.50% depending on LTV and customer relationship. The Prime Rate used is the U.S. Prime Rate quoted in the "Money Rates" column of The Wall Street Journal on the last business day of the month. As of 3/24/2017, the APR can range from 4.50% to 6.25%. The APR may change monthly, but will not be lower than 3.99% APR, nor exceed 17.65% or 20.04%, depending on LTV. Maximum combined LTV is 90% (including prior mortgages or liens). At maturity, entire balance payment is required in a single "balloon payment." Insurance must be carried on property securing this loan. Missouri, Illinois, and Colorado residents incur no fees or closing costs. Kansas residents are required to pay state mortgage tax of $1.00 per $1,000 of mortgage filed; 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. Consult your tax advisor regarding the deductibility of interest.
  2. Monthly payment examples are based on the sample amounts drawn against a line with combined LTV ratio (including prior mortgages or liens) of 80% or less. Rates shown are with and without the 0.50% rate discount for CommerceOptions Premium checking account customers. Payments will vary based upon balance amount and interest charges.
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