Home Equity Loan Rates

Invalid zip code. Please re-enter your zip code.

Rate discounts available:*

  • 0.25% for automatic payments from a Commerce checking or savings account
  • 0.25% if refinancing a loan from another lender

Rate Disclosures:

  • Rates are subject to change. APR determined based on lien position and loan term. 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.

    Subject to credit approval. Rate discounts cannot be combined with any other offer. Mortgages and dealer loans are not eligible to receive these rate discounts. Refinancing discount is limited to one discount per new installment loan, and does not apply to Commerce credit card or loan account payoffs.
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.