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Home Equity Loan

Home equity loan

Borrow for whatever you need — from debt consolidation to home improvements and 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. 

Let’s talk about Home Equity Lending

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 $5,000 or more of the loan is used to pay off debt from another lender.1
  • Borrow up to 90% of your home’s available equity, with a minimum loan amount of $10,000.
No application fees, bank fees at closing and no early payoff fees. Plus, interest may be tax deductible – check with your tax advisor.


  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 $5,000 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.