iBanking Login

By The Numbers

Home Equity Rates

Accurate as of October 1, 2025.

Ready to get started?

Home Equity Lines of Credit*

Learn More About Our Home Equity Line of Credit

Accurate as of October 1, 2025.

PRODUCT POINTS APR 1 MINIMUM / MAXIMUM

Home Equity Line of Credit

06.75% $25,000.00 Min / $500,000.00 Max

Today's Date: 10/25/2025

1 Annual percentage rate (APR) is a variable rate, set monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the previous month. Current Prime Rate is 7.25%. Maximum APR is 18.00%. Minimum APR 3.25% for HELOC 477. $500.00 penalty for early termination within the first 36 months not to exceed 2% of original loan limit. Draw period up to 10 years followed by 179 month repayment period. See requirements stated below and disclosure for additional terms and conditions. Refinance of Metro lines may be subject to closing fees. Home Equity Line of Credit Disclosure.

Home Equity Fixed Loans*

Learn More About Our Home Equity Loans

Accurate as of October 1, 2025.

TERM POINTS APR 1ESTIMATED COST PER $1,000 MINIMUM / MAXIMUM
20 Years07.50%$8.06 $35,000.00 Min / $500,000.00 Max
15 Years07.25%$9.13 $35,000.00 Min / $500,000.00 Max
10 Years05.75%$10.98 $35,000.00 Min / $500,000.00 Max
7 Years05.49%$14.37 $35,000.00 Min / $500,000.00 Max
5 Years04.75%$18.76 $35,000.00 Min / $500,000.00 Max
3 Years06.25%$30.54 $35,000.00 Min / $500,000.00 Max
2 Years05.99%$44.32 $35,000.00 Min / $500,000.00 Max
1 Years05.75%$85.95 $35,000.00 Min / $500,000.00 Max

Today's Date: 10/25/2025

1 Annual Percentage Rate (APR) accurate as of October 1, 2025. Minimum loan amount $35,000.00 and maximum $500,000.00. No prepayment penalty. Refinances of Metro loans ineligible for no closing cost program. Terms from 1 to 20 years available. Cannot be in first lien position (due to High Cost Loan Regulation).
 

*Requirements for Metro Home Equity Lines and Loans: Owner occupied properties only. 1-4 Units. Maximum combined loan to value is up to 80%. Home Equity Rates automatically set for 60 days at time of application. Property Valuation Costs: Exterior = $90 for MA & NH. Prices vary for The Cape & Islands. Full Report ranges from $495 - $1,000 depending on property type, value, and location. Properties held in a trust require legal review: up-front cost of $250, trust certificate recording cost of $105, and overnight postage cost of $19.39 for lien payoffs only. If borrower is required to pay closing costs: additional recording fee of $175 and lien insurance fee of $65 will also apply. Total fees not to exceed $900. Flex Loan Conversions: Fixed Interest and Principal payments; Minimum Conversion amount is $5,000. Please reach out to a Mortgage Specialist for complete details.
 

Related Content