{"data":{"path":"security-bank-of-kansas-city/home-equity-line-of-credit-heloc","artwork":null,"name":"Home Equity Line of Credit (HELOC)","officialName":"Home Equity Line of Credit (HELOC)","type":"home_equity_line_of_credit","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Security Bank of Kansas City","handle":"security-bank-of-kansas-city"},"institution":{"name":"Security Bank of Kansas City","handle":"security-bank-of-kansas-city"},"actualIssuerName":null,"standardOffer":{"id":"1369","offerKind":"standard","channel":null,"nameAsFiled":"Home Equity Line of Credit (HELOC)","handle":null,"terms":{"productId":"2553","path":"security-bank-of-kansas-city/home-equity-line-of-credit-heloc","name":"Home Equity Line of Credit (HELOC)","officialName":"Home Equity Line of Credit (HELOC)","aliases":[],"institutionId":"69339","institutionName":"Security Bank of Kansas City","institutionHandle":"security-bank-of-kansas-city","issuerName":null,"productType":"home_equity_line_of_credit","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":{"effectiveFrom":"2026-10-05","effectiveTo":null,"lastObservedAt":"2026-10-05T11:04:31.623Z","sources":[{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"0f7a8b5cdccb5e93b88dd96440980b38","pageNumber":null,"quote":"Security Bank has been providing loans for over 90 years. Our Home Equity Line of Credit is the most powerful financial tool available to help you manage your current and future lending needs. It includes a great interest rate, low monthly payments, and easy access to money when you need it.","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"}],"currencyCode":"USD","minimumAmountCents":null,"minimumAmountNullReason":"not_parsed","maximumAmountCents":null,"maximumAmountNullReason":"not_parsed","minimumTermMonths":null,"minimumTermNullReason":"not_parsed","maximumTermMonths":null,"maximumTermNullReason":"not_parsed","collateralType":null,"collateralTypeNullReason":"not_parsed","maximumLoanToValueBps":null,"maximumLoanToValueNullReason":"not_parsed","drawPeriodMonths":null,"drawPeriodNullReason":"not_parsed","repaymentPeriodMonths":null,"repaymentPeriodNullReason":"not_parsed","prepaymentPenalty":null,"prepaymentPenaltyNullReason":"not_parsed","rateFloorBps":null,"rateFloorNullReason":"not_parsed","rateCapBps":null,"rateCapNullReason":"not_parsed"},"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Security Bank has been providing loans for over 90 years. Our Home Equity Line of Credit is the most powerful financial tool available to help you manage your current and future lending needs. It includes a great interest rate, low monthly payments, and easy access to money when you need it.\n7.00% APR\n1\nRates range from 7.00% APR to 8.00% APR and are subject to change at any time\nA Home Equity Line of Credit is a revolving credit line secured by the equity you’ve built in your home. It can be used, paid down, and reused as needed — like a credit card. The best part is you only pay interest on what you draw!\n1 \nThe Annual Percentage Rate (APR) is variable based on a margin over the Wall Street Journal Prime Lending Rate (WSJ Prime). A HELOC in 1st mortgage position, or in 2nd mortgage position with a loan-to-value of 80% or less, will have a rate of WSJ Prime plus 0.00%. A HELOC in 2nd position with a loan-to value greater than 80% will have a rate of WSJ plus 1.00%. The interest rate will not be lower than 4.75% nor exceed 18.00%. The WSJ Prime was 7.00% as of September 17, 2026. HELOC rates at Security Bank of Kansas City ranged from 7.00% to 8.00%.\nThe draw period is 10 years. There is a $50 annual fee starting the second year. Consult your tax advisor regarding the deductibility of interest and fees. Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the entire outstanding balance in a single payment.\nBorrowers who qualify for a Home Equity Line of Credit (HELOC) with a limit between $10,000 and $250,000 will pay no closing costs if the HELOC is set up for automatic payments from a Security Bank of Kansas City checking account at the time the HELOC is originated.","sources":[{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"0f7a8b5cdccb5e93b88dd96440980b38","pageNumber":null,"quote":"Security Bank has been providing loans for over 90 years. Our Home Equity Line of Credit is the most powerful financial tool available to help you manage your current and future lending needs. It includes a great interest rate, low monthly payments, and easy access to money when you need it.","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"f151b8ccaa1dd6deeb27a12ddd5f35de","pageNumber":null,"quote":"7.00% APR","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"e879ff7268ff38adaf97341d18770e63","pageNumber":null,"quote":"1","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"40003356d0562f881124c5e21c7c2b0f","pageNumber":null,"quote":"Rates range from 7.00% APR to 8.00% APR and are subject to change at any time","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"d1200414065532507182f9f9fbb1c3c7","pageNumber":null,"quote":"A Home Equity Line of Credit is a revolving credit line secured by the equity you’ve built in your home. It can be used, paid down, and reused as needed — like a credit card. The best part is you only pay interest on what you draw!","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"3cb094c6ae183bf5a00caac4cd266473","pageNumber":null,"quote":"1","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"73332ef044ea07578c69a4ccfa5726be","pageNumber":null,"quote":"The Annual Percentage Rate (APR) is variable based on a margin over the Wall Street Journal Prime Lending Rate (WSJ Prime). A HELOC in 1st mortgage position, or in 2nd mortgage position with a loan-to-value of 80% or less, will have a rate of WSJ Prime plus 0.00%. A HELOC in 2nd position with a loan-to value greater than 80% will have a rate of WSJ plus 1.00%. The interest rate will not be lower …","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"bc6f0921a9f9b3815de23abce97d53ab","pageNumber":null,"quote":"The draw period is 10 years. There is a $50 annual fee starting the second year. Consult your tax advisor regarding the deductibility of interest and fees. Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the entire outstanding balance in a single payment.","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"b1565a9f030fc955b35653ae400ef623","pageNumber":null,"quote":"Borrowers who qualify for a Home Equity Line of Credit (HELOC) with a limit between $10,000 and $250,000 will pay no closing costs if the HELOC is set up for automatic payments from a Security Bank of Kansas City checking account at the time the HELOC is originated.","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"}]}]},"offers":[{"id":"1369","offerKind":"standard","channel":null,"nameAsFiled":"Home Equity Line of Credit (HELOC)","handle":null,"terms":{"productId":"2553","path":"security-bank-of-kansas-city/home-equity-line-of-credit-heloc","name":"Home Equity Line of Credit (HELOC)","officialName":"Home Equity Line of Credit (HELOC)","aliases":[],"institutionId":"69339","institutionName":"Security Bank of Kansas City","institutionHandle":"security-bank-of-kansas-city","issuerName":null,"productType":"home_equity_line_of_credit","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":{"effectiveFrom":"2026-10-05","effectiveTo":null,"lastObservedAt":"2026-10-05T11:04:31.623Z","sources":[{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"0f7a8b5cdccb5e93b88dd96440980b38","pageNumber":null,"quote":"Security Bank has been providing loans for over 90 years. Our Home Equity Line of Credit is the most powerful financial tool available to help you manage your current and future lending needs. It includes a great interest rate, low monthly payments, and easy access to money when you need it.","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"}],"currencyCode":"USD","minimumAmountCents":null,"minimumAmountNullReason":"not_parsed","maximumAmountCents":null,"maximumAmountNullReason":"not_parsed","minimumTermMonths":null,"minimumTermNullReason":"not_parsed","maximumTermMonths":null,"maximumTermNullReason":"not_parsed","collateralType":null,"collateralTypeNullReason":"not_parsed","maximumLoanToValueBps":null,"maximumLoanToValueNullReason":"not_parsed","drawPeriodMonths":null,"drawPeriodNullReason":"not_parsed","repaymentPeriodMonths":null,"repaymentPeriodNullReason":"not_parsed","prepaymentPenalty":null,"prepaymentPenaltyNullReason":"not_parsed","rateFloorBps":null,"rateFloorNullReason":"not_parsed","rateCapBps":null,"rateCapNullReason":"not_parsed"},"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Security Bank has been providing loans for over 90 years. Our Home Equity Line of Credit is the most powerful financial tool available to help you manage your current and future lending needs. It includes a great interest rate, low monthly payments, and easy access to money when you need it.\n7.00% APR\n1\nRates range from 7.00% APR to 8.00% APR and are subject to change at any time\nA Home Equity Line of Credit is a revolving credit line secured by the equity you’ve built in your home. It can be used, paid down, and reused as needed — like a credit card. The best part is you only pay interest on what you draw!\n1 \nThe Annual Percentage Rate (APR) is variable based on a margin over the Wall Street Journal Prime Lending Rate (WSJ Prime). A HELOC in 1st mortgage position, or in 2nd mortgage position with a loan-to-value of 80% or less, will have a rate of WSJ Prime plus 0.00%. A HELOC in 2nd position with a loan-to value greater than 80% will have a rate of WSJ plus 1.00%. The interest rate will not be lower than 4.75% nor exceed 18.00%. The WSJ Prime was 7.00% as of September 17, 2026. HELOC rates at Security Bank of Kansas City ranged from 7.00% to 8.00%.\nThe draw period is 10 years. There is a $50 annual fee starting the second year. Consult your tax advisor regarding the deductibility of interest and fees. Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the entire outstanding balance in a single payment.\nBorrowers who qualify for a Home Equity Line of Credit (HELOC) with a limit between $10,000 and $250,000 will pay no closing costs if the HELOC is set up for automatic payments from a Security Bank of Kansas City checking account at the time the HELOC is originated.","sources":[{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"0f7a8b5cdccb5e93b88dd96440980b38","pageNumber":null,"quote":"Security Bank has been providing loans for over 90 years. Our Home Equity Line of Credit is the most powerful financial tool available to help you manage your current and future lending needs. It includes a great interest rate, low monthly payments, and easy access to money when you need it.","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"f151b8ccaa1dd6deeb27a12ddd5f35de","pageNumber":null,"quote":"7.00% APR","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"e879ff7268ff38adaf97341d18770e63","pageNumber":null,"quote":"1","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"40003356d0562f881124c5e21c7c2b0f","pageNumber":null,"quote":"Rates range from 7.00% APR to 8.00% APR and are subject to change at any time","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"d1200414065532507182f9f9fbb1c3c7","pageNumber":null,"quote":"A Home Equity Line of Credit is a revolving credit line secured by the equity you’ve built in your home. It can be used, paid down, and reused as needed — like a credit card. The best part is you only pay interest on what you draw!","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"3cb094c6ae183bf5a00caac4cd266473","pageNumber":null,"quote":"1","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"73332ef044ea07578c69a4ccfa5726be","pageNumber":null,"quote":"The Annual Percentage Rate (APR) is variable based on a margin over the Wall Street Journal Prime Lending Rate (WSJ Prime). A HELOC in 1st mortgage position, or in 2nd mortgage position with a loan-to-value of 80% or less, will have a rate of WSJ Prime plus 0.00%. A HELOC in 2nd position with a loan-to value greater than 80% will have a rate of WSJ plus 1.00%. The interest rate will not be lower …","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"bc6f0921a9f9b3815de23abce97d53ab","pageNumber":null,"quote":"The draw period is 10 years. There is a $50 annual fee starting the second year. Consult your tax advisor regarding the deductibility of interest and fees. Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the entire outstanding balance in a single payment.","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"44493","sourceKind":"official_issuer","publisherName":"Security Bank of Kansas City","capturedAt":"2026-10-05T11:04:31.623Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.securitybankkc.com/lending/home-equity-line-of-credit-(heloc)","passageId":"b1565a9f030fc955b35653ae400ef623","pageNumber":null,"quote":"Borrowers who qualify for a Home Equity Line of Credit (HELOC) with a limit between $10,000 and $250,000 will pay no closing costs if the HELOC is set up for automatic payments from a Security Bank of Kansas City checking account at the time the HELOC is originated.","recordId":"official-issuer:page:url:4b0dfbdcb189376860c241d87b2fec5147087e9d72336520eb89cb5dc0c6d89a","recordFields":[],"fieldKey":"loan_access"}]}]}],"documents":[]}}