WesBanco BankHome Equity FlexLine of CreditRegistry illustration · issuer artwork unavailable
Home Equity FlexLine of CreditWesBanco Bank · NM bank, IN · FDIC 803
CurrentLast observed Oct 3, 2026Source date Oct 3, 2026Official issuerHome equity line of credit · Consumer
Loan amount
Repayment term
Not disclosed
Collateral
Prepayment penalty
Not disclosed
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| Loan amount | from $5,000WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “The introductory Annual Percentage Rate (APR) of 3.99% is available on a new Home Equity Line of Credit for 90 days (not available in Delaware, District of Columbia (DC), Georgia, Maryland, and Virginia; and not applicable for new WesBanco FlexLines that are paying off an existing WesBanco loan or line). After 90 days, the APR during the draw period will vary based on Wall Street Journal Prime Ra…”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Repayment term | Not disclosed | no source read | |
| Collateral | Real estateWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “A Home Equity FlexLine of Credit is a low-cost, flexible way to use the equity in your home to finance just about anything – whether you’re updating your house, paying off debt, covering tuition or taking a dream vacation! The credit line is yours to use as you please during the 15-year period, though it’s important to remember the loan is leveraging your home as collateral.”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Prepayment penalty | Not disclosed | no source read | |
| Maximum loan to value | 90%WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “Rates below are before any applicable reductions. Max loan-to-value (LTV) / combined loan-to-value (CLTV) of 90%.”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Draw period | 180 monthsWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “Interest-only payments for the 15-year draw period.”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Repayment period | 120 monthsWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “Ten-year principal and interest payback on the outstanding balance at the end of the draw period.”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rate floor | Not disclosed | no source read | |
| Rate cap | 18%WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “The introductory Annual Percentage Rate (APR) of 3.99% is available on a new Home Equity Line of Credit for 90 days (not available in Delaware, District of Columbia (DC), Georgia, Maryland, and Virginia; and not applicable for new WesBanco FlexLines that are paying off an existing WesBanco loan or line). After 90 days, the APR during the draw period will vary based on Wall Street Journal Prime Ra…”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Fees | — | no source read | |
| Autopay rate discountA 0.25% rate discount when you set up automatic payments from a WesBanco checking or savings account. | 0.25 percentage-point reductionWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “A 0.25% rate discount when you set up automatic payments from a WesBanco checking or savings account.”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Other rate discountPlus, a 0.50% rate reduction on new WesBanco Flexlines secured by a 1st lien on the property, or on refinanced 1st lien WesBanco FlexLines with an increase in the Line of Credit Amount. | 0.5 percentage-point reductionWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “Plus, a 0.50% rate reduction on new WesBanco Flexlines secured by a 1st lien on the property, or on refinanced 1st lien WesBanco FlexLines with an increase in the Line of Credit Amount.”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| APR The introductory Annual Percentage Rate (APR) of 3.99% is available on a new Home Equity Line of Credit for 90 days (not available in Delaware, District of Columbia (DC), Georgia, Maryland, and Virginia; and not applicable for new WesBanco FlexLines that are paying off an existing WesBanco loan or line). After 90 days, the APR during the draw period will vary based on Wall Street Journal Prime Rate plus or minus a margin and may change monthly (currently the APR is as low as 6.49%). The margin is based on the home’s loan-to-value (LTV) ratio, line amount and borrower credit score. The post introductory rate quoted is available as of 9/15/2026 and is based on current WSJ Prime of 7.00% minus 0.01% on lines with LTV of 80% or less, a credit score of 740+, and a minimum line of $50,000; includes a discount of 0.25% for optional automatic payment from a WesBanco checking account. A 0.50% rate reduction on new WesBanco FlexLines secured by a 1st lien on the property, or on refinanced 1st lien WesBanco FlexLines with an increase in the Line of Credit Amount. Maximum APR: 18%. Origination fee of $150 may apply. Annual participation Fee of $50 may apply. Late Fee & Over the limit Fee: Maximum amount provided for by governing state law. Prepayment of all or a portion of principal may be made at any time; however, if you prepay and close the account within three (3) years of account opening, the Bank shall charge an early termination fee based on the lesser of 1% of the credit line amount or $350. Early termination fee waived if refinancing with WesBanco and not applicable in Maryland or Pennsylvania. Property insurance is required on the property securing a WesBanco Home Equity Line. Minimum amount financed – $5,000. Offer can be changed at any time without prior notice. All loans subject to credit approval. | WithheldWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “The introductory Annual Percentage Rate (APR) of 3.99% is available on a new Home Equity Line of Credit for 90 days (not available in Delaware, District of Columbia (DC), Georgia, Maryland, and Virginia; and not applicable for new WesBanco FlexLines that are paying off an existing WesBanco loan or line). After 90 days, the APR during the draw period will vary based on Wall Street Journal Prime Ra…”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rate comparisonVariable-rate conditions. Headers: Loan to Value; Credit Score: 740+; Credit Score: 739-700; Credit Score: 699-670; Credit Score: 669-640. LTV rows: 80%; 81-85%; 86-90%. Cells: 80%; Credit Score: 740+: Prime – 0.01%; 80%; Credit Score: 739-700: Prime + 0.50%; 80%; Credit Score: 699-670: Prime + 0.75%; 80%; Credit Score: 669-640: Prime + 2.00%; 81-85%; Credit Score: 740+: Prime + 0.50%; 81-85%; Credit Score: 739-700: Prime + 0.75%; 81-85%; Credit Score: 699-670: Prime + 1.50%; 86-90%; Credit Score: 740+: Prime + 1.00%; 86-90%; Credit Score: 739-700: Prime + 1.25%; 86-90%; Credit Score: 699-670: Prime + 2.00%. Unavailable cells: 81-85%; Credit Score: 669-640: N/A; 86-90%; Credit Score: 669-640: N/A. Rate additions: Add 0.75% for loan amounts of $5,000 to $24,999; Add 0.25% for loan amounts of $25,000 to $49,999; No additional rate increase for loans of $50,000 or greater. | WithheldWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “Prime – 0.01%”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Access to fundsOne-time application. The loan amount available to you is based on the equity built up in your home and is often distributed in a draw period (where you can borrow and repay as needed). At the end of the draw period you begin to make amortized payments of principal and interest on the balance of your loan. The flexibility to convert a portion of the balance to a fixed-rate and term at any time during the 15-year draw period. | WithheldWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “The loan amount available to you is based on the equity built up in your home and is often distributed in a draw period (where you can borrow and repay as needed). At the end of the draw period you begin to make amortized payments of principal and interest on the balance of your loan.”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Future useMost HELOCs are revolving credit lines during the draw period, which means you can repay the line and borrow from it again. For example, if you borrow $5,000 for home repairs and pay that back within the draw period, it becomes available to borrow again. Want to know more about what to expect during the application process? Learn More below. | WithheldWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “Most HELOCs are revolving credit lines during the draw period, which means you can repay the line and borrow from it again. For example, if you borrow $5,000 for home repairs and pay that back within the draw period, it becomes available to borrow again. Want to know more about what to expect during the application process? Learn More below.”WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |