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Home equity loan

Borrow against your home equity for debt consolidation, home improvements or other major expenses.

Our Home Equity Loans have a fixed interest rate for the life of the loan, so you’ll have predictable monthly payments for easier budgeting.

Contact us for a Commerce Home Equity Loan

What is a home equity loan?

Despite the name, you don’t buy a house with a home equity loan. Instead, the loan is tied to the equity you’ve built into your home through mortgage payments.

Apply now for a Commerce Home Equity Loan

Get more with Commerce Bank.

  • Enjoy a rate discount of 0.25% just for having your payment automatically deducted from your Commerce Bank checking or savings account.1

  • Secure an additional rate discount of 0.25% when $7,000 or more of the loan is used to pay off debt from another lender.1

  • Borrow up to 85% of your home’s available equity, with a minimum loan amount of $10,000.

  • No application fees, no bank fees at closing and no early payoff fees.

  • Interest may be tax deductible – check with your tax advisor.

Home Equity Loan Rates

Home Equity Loan Calculators

Home Equity Line of Credit

Tap into the equity in your home when you need to with a reusable line of credit.


1  Rate discount of 0.25% discount requires automatic loan payment from a Commerce Bank checking or saving account. Mortgages and dealer loans are not eligible to receive the discounts. Additional 0.25% rate discount when $7,000 or more of the loan is refinanced from another lender. Additional refinancing option is limited to one discount per loan and is not applicable to Commerce credit card or loan account payoffs. Subject to credit approval.

*  Rates are subject to change. These rates are available only for home equity loans. Your APR will be determined based on creditworthiness, customer relationship, loan-to-value ratio and loan term. Must be 18 years or older to apply.