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Home Equity Loan Rates
- Rates are subject to change. APR determined based on lien position, loan term and customer relationship. Maximum loan term 144 months. Maximum combined loan-to-value ratio 90% (including prior mortgages or liens). Subject to credit approval. Insurance must be carried on the property securing this loan. Missouri, Illinois or 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. Rate discount of .25% for automatic payment from Commerce checking account. Additional discounts are available to CommerceOptionsSM customers. CommerceOptions requires significant product relationships or a $12 or $20 monthly fee.
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