Home Equity Line of Credit Loans

Fifth Third Equity Flexline^SM1 is a revolving credit line that is secured by the equity in your home—the difference between the appraised or market value of your home and the amount of your outstanding mortgage balance.

How does a home equity line of credit (HELOC) work?

With the Fifth Third Equity Flexline, you can borrow against the equity in your home at competitive home equity credit line rates. As you repay the HELOC balance, funds become available again for your use. Plus the interest you pay may be 100% tax deductible.³

Use a home equity credit line to:

• Pay off high-interest debt
• Pay for home improvements
• Finance an education
• Arrange a vacation
• Finance an adoption
• Purchase large-ticket items (automobile, furniture, etc.)

Other exclusive home equity line of credit benefits:

• Competitive home equity line of credit rates View Rates »
• .25% rate discount when payment is deducted from a qualifying Fifth Third Bank checking account using Auto BillPayer
• Revolving line of credit accessible by simply writing a check or using the Fifth Third Equity Flexline Platinum MasterCard®
• Accumulate Rewards points and earn 1 Rewards point for every $5 spent each time you use your Flexline Platinum MasterCard® for a signature based transaction!²
• 5,300 Rewards points for your first signature based transaction using your Flexline Platinum MasterCard®
• Combine or "household" your rewards points on multiple Fifth Third Bank cards using 53PointShare to reach redemption levels faster and maximize your Reward earning power just for doing your everyday banking!
• Variable extended terms to meet your needs both now and in the future
• Flexible payment options
• Fixed Rate Lock Option, which allows you to lock in a fixed rate, fixed term and fixed payment on a portion of your Fifth Third Equity Flexline
• Interest may be tax deductible³
• Overdraft protection
• 24-hour online access with free Internet Banking and Bill Payment

Fifth Third Equity Flexline Platinum MasterCard

Access your home equity line anytime, anywhere with your Fifth Third Equity Flexline Platinum MasterCard. Make purchases over the phone, online or wherever MasterCard is accepted, or withdraw cash at any ATM. Transactions are subject to the same terms and conditions as your Fifth Third Equity Flexline agreement.

Fifth Third Rewards is available on the Fifth Third Equity Flexline MasterCard! Enrollment is free and automatic when you activate your Fifth Third Equity Flexline MasterCard. Plus, you will receive 5,300 bonus points with your first signature card usage. Please visit Fifth Third Rewards for more information.

Fixed Rate Lock Option on Home Equity Credit Lines

Combine the flexibility of a variable rate home equity line of credit with the security of a fixed rate loan. At any time, you may lock in the current installment loan rate on the outstanding balance of your Fifth Third Equity Flexline, which means fixed rate, fixed term, and fixed payments. Take up to three separate "locks" on your Fifth Third Equity Flexline at the same time, as in the example below.

To apply for a Fifth Third Equity Flexline or to increase your Fifth Third Equity Flexline, call toll free at 1-866-53-LOANS, or fill out a secure online application.

View our application checklist to see what you will need to apply.

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