| Loan amount | from $5,000WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Repayment term | Not disclosed | |
| Collateral | Real estateWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Prepayment penalty | Not disclosed | |
| Maximum loan to value | 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 | Website |
| Repayment period | 120 monthsWesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rate floor | Not disclosed | |
| Rate cap | 18%WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Introductory draw APR90 days · 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. | 3.99%WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 80%; Credit Score: 669-640 | Wall Street Journal Prime Rate + 2%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 80%; Credit Score: 699-670 | Wall Street Journal Prime Rate + 0.75%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 80%; Credit Score: 739-700 | Wall Street Journal Prime Rate + 0.50%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 80%; Credit Score: 740+ | Wall Street Journal Prime Rate − 0.01%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 81-85%; Credit Score: 669-640 | Not applicableWesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 81-85%; Credit Score: 699-670 | Wall Street Journal Prime Rate + 1.50%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 81-85%; Credit Score: 739-700 | Wall Street Journal Prime Rate + 0.75%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 81-85%; Credit Score: 740+ | Wall Street Journal Prime Rate + 0.50%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 86-90%; Credit Score: 669-640 | Not applicableWesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 86-90%; Credit Score: 699-670 | Wall Street Journal Prime Rate + 2%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 86-90%; Credit Score: 739-700 | Wall Street Journal Prime Rate + 1.25%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| Draw APRLoan to Value: 86-90%; Credit Score: 740+ | Wall Street Journal Prime Rate + 1%WesBanco Bank, Inc. · Stated In Document Sep 15, 2026 · Captured Oct 3, 2026 | Website |
| 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 | 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 | Website |
| Rate comparison 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 | 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 | 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 | Website |
| Annual | $50, 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.WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Early closure | the lesser of $350 or 1% of the amount, 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.WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Late payment | 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.WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Origination | $150, 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.WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Over limit | 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.WesBanco Bank, Inc. · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
