Construction items on table

Home Equity Line of Credit (HELOC) Promotion

Ready to make your house the home of your dreams?

Open a Home Equity Line of Credit with Transcend with promotional fixed rates as low as 6.99% APR* for 5 years compared to our current variable rate of 8.00% APR*. In addition, you may receive a $500 Lowes gift card¹ to use towards those renovations!
We also offer:
  • NO closing costs!
  • NO annual fees!
Apply Online or Contact Us for more information!

Why Open a Home Equity Line of Credit?

  • Home Improvements and Repairs
    • Whether you want to turn your basement into a game room, renovate your kitchen, or add an additional bathroom, a HELOC can provide the revolving financing you need to complete all of your home projects.
  • Debt Consolidation
    • Consolidating high-interest debt like credit card balances can make repayment much simpler and cost you less.
  • Education Costs
    • A HELOC can be a much more affordable option for covering educational expenses like tuition, living expenses, etc.

Contact Us or Visit Us at any of our 6 convenient locations for more information!

*APR = Annual Percentage Rate.  The 6.99% introductory APR is effective 1/1/2024 for advances made in the first 6 months upon the opening of your HELOC and is good for five years from HELOC open date.  For advances taken after the first 6 months and when the introductory APR ends, the HELOC variable rate effective at that time will apply to new and outstanding balances. As of 12/8/2023, APRs range from 8% - 18%.  Maximum APR for plan is 18%.  APR based on creditworthiness; your rate may differ. The 6.99% APR requires 700+ credit score and max 80% LTV. No annual or advance fees. No closing costs. Proof of property insurance is required. All loans subject to approval. 1Receipt of $500 Lowes Gift Card requires a $10,000 minimum draw within 60 days of HELOC opening date. Gift cards must be picked up in person at 3740 Bardstown Rd., Louisville, KY 40218 once the $10,000 draw has posted. All terms and conditions subject to change without notice. Additional restrictions may apply. Call (502)459-8004 or (800)292-9490 for details.