Kansas City HELOCs & Home Equity Rates

Get 5.99% APR for the first 6 months.

Money doesn't grow on trees, but, it kind of does on your home. A home equity line of credit (HELOC) makes it easy to tap into your home's available equity and use the funds as you need them.

Kansas City HELOC Rates




for the first 6 months.


In closing costs or origination fees.




Variable rate after the introductory period.

Strong foundations are flexible ones.

Home is where the cash is.

In a pinch, you can cash out your home equity and get the funds you need. Pair that with an introductory APR of 5.99% for the first 6 months1, and you've got one heck of a deal.

Finance as you fancy.

Some call it a HELOC - we call it financial flexibility. Consolidate debt, turn a dated master bath into an in-home oasis - almost whatever you please, make it happen. Just take what you need.

Built-in “what if” funds.

Homeownership is a journey, and sometimes that journey has twists and turns you weren't expecting. Home equity is there for you when you need it, as you need it. Now that's peace of mind.

Hit the ground running.

You know us - we're all about cutting back on red tape. We've got just a couple must-haves to keep in mind before you apply.

No red tape, just a couple must-haves.1

  • Offer applies to Kansas City metro residences only.
  • Must have a good personal credit score.

HELOC Calculator

You may be sitting on more cash than you realize. Let's estimate your home's value to see what you're working with - no strings attached.

Home Value*

Amount You Owe

Occupancy Type

* Important information about our HELOC calculator:

Final home value to be determined by nbkc bank appraisal. The sample information provided in this calculator is for informational, educational, and entertainment purposes. Hypothetical illustrations do not guarantee historical or future results. It is the responsibility of the borrower to evaluate loan offers and associated risks or rewards of each product.

What about a Closed-End Second Mortgage?

A closed-end mortgage (aka a CES loan) is a second mortgage. It taps into your home equity without touching the rate on your first mortgage.

This is different from a HELOC in that you:

  • Receive the entire loan amount in one lump sum
  • Cannot withdraw any more cash after you receive the lump-sum loan


There are plenty of ways to put a HELOC to good use. Here are just a few to get the wheels turning:

  • Home improvements. Use your HELOC to pay for ongoing projects that increase the value of your properties — interest payments can be tax deductible.
  • Medical expenses. Take advantage of HELOC's low interest rates and flexible repayment terms for large or ongoing medical expenses.
  • Tuition or education costs. Lower interest rates and flexibility in ongoing spending make HELOC a great alternative to student loans.
  • Starting a business. Ready to make those ice cream shop dreams a reality? HELOC offers lower interest rates than a small business loan and flexible spending works for start-up launch costs or acquiring a new venture.
  • Debt consolidation. Tackle all of your outstanding high-interest loans or credit card debt in one swoop with a HELOC, and find relief with interest-only payments during the draw period.
  • Large purchases. Hey, it's your HELOC — spend it how you want, no restrictions.

Consult your tax advisor regarding the deductibility of interest.

Not quite. A line of credit is a revolving loan, and it's the most flexible cash-out option for tapping into home equity. You borrow just as much or as little as you need.

There are plenty of reasons to consider a HELOC, but here are a few standout advantages:

  • Secure funds & great rates.
  • Quick, simple transfer of funds.
  • Enjoy a 7-year Interest-only draw period.
  • Don't sweat extra fees - there are none.

Want to hear more? Let's chat.

Try our free online mortgage rate calculator. Need help? Let's chat.

What’s next starts here.

If you're ready to learn more, let's get in touch.

Loans are currently only available to borrowers in the Kansas City metro area1.

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Product Interest

1APR = Annual Percentage Rate. Offer is available in the Jackson, Cass, Clay, Platte, Buchanan, and Johnson counties of Missouri and Johnson, Wyandotte, Leavenworth, Douglas and Miami counties of Kansas. Loan approval and loan amount is subject to underwriting, credit qualifications and bank-determined property value through a desktop appraisal. Property ownership and property type restrictions may apply. nbkc bank does not offer HELOCs for second residences. Rates and offer may change or be discontinued at any time and without notice. Rates are based on the Prime Rate published in the Wall Street Journal plus margin, but will never exceed 18% APR. Rates as of 06/20/2024. Consult a tax advisor regarding the deductibility of interest. nbkc customers are eligible for the introductory rate and waived closing fees once every 12 months. If a HELOC is modified or refinanced within 12 months of origination, the borrower shall pay closing costs not to exceed $1000. Minimum loan amount of $25,000.