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Home Equity Loans

Unlock your home's equity potential

Access cash for major expenses with competitive home equity loan rates and flexible terms that work for your goals.

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Rent Rewards Program

Turn Equity into Opportunity with a Home Equity Line of Credit!

Intro Rate for ONE year, as low as 4.25% APR*

OCB’s HELOC offers:
• 5-year term
• No pre-payment penalty
• Interest only payments
• Low Closing Costs

HELOC’s can be used for debt consolidation, home improvements, vacations, second home purchases, and more.

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HELOC PROMO
Intro Rate for ONE year as low as 4.25% APR*

*Introductory Annual Percentage Rates (APRs) range from 4.25% to 8.75% and are fixed for the first 12 months. The lowest introductory rate assumes a credit score of 740 or greater and a Combined Loan-to-Value (CLTV) ratio of 80% or less. Rates are based on credit score and CLTV and may vary. After the 12-month introductory period, the APR becomes variable and may change monthly based on the Wall Street Journal Prime Rate plus an applicable margin. Variable APRs will not exceed 18.00% APR and will not be less than 4.00% APR. Promotion available for applications received between October 5, 2026 and December 31, 2026. Available only on new HELOCs; existing One Community Bank HELOCs, refinances, modifications, and line increases are not eligible. HELOC requests for credit limits exceeding $500,000 do not qualify for the introductory rate. Borrowers must have an open One Community Bank checking account prior to closing. Property must be an owner-occupied primary residence located in Wisconsin. Minimum monthly payments during the draw period may not reduce principal; any remaining balance is due in a single balloon payment at maturity. Subject to credit approval and underwriting requirements. Property insurance is required; flood insurance may be required. A $50 annual fee applies beginning on the first anniversary and annually thereafter during the draw period. Third-party closing costs generally range from approximately $30 to $2,000. Terms, rates, and program availability are subject to change without notice. One Community Bank NMLS #410689.

Home Equity Options

Home Equity Loans

Perfect for projects in which you want to borrow a set amount.

Couple planning home renovation
  • Interest rate locked in for a specific time period.
  • Easy for planning and budgeting.
  • Variety of home equity programs to choose from: five-year fixed rate loan or five-year adjustable-rate mortgage.
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Home Equity Lines of Credit

Make a splash with a Home Equity Line of Credit!

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  • Your line of credit is there when you need it.
  • Make no payments until you draw funds from the line of credit.
  • Interest-only payments are affordable.
  • Five-year term ensures your line is available and monthly payments are spread out over time.
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Ask a home equity specialist for details on the options that are best for you!