Apply in Minutes

You are leaving the nbkc bank website and will be linked to an external website

You are about to link to an external website. nbkc bank is not responsible for the availability of content and does not represent either the linked website or you, should you enter into a transaction. We encourage you to review the privacy and security policies for any hyperlinked site which may differ from nbkc bank.

Get more out of your home equity with an nbkc HELOC.

  • A welcoming rate.

    Get a 5.99% APR HELOC for the first 6 months with a thereafter rate as low as 8.50% APR.1

  • A line of credit lickety split.

    On average, your funds will be available within 14 days.

  • Your nbkc appraisal still applies.

    Use a previous nbkc home appraisal within 6 months for your nbkc HELOC appraisal.

Home equity loan graphic

5 stars from Nerdwallet based on 14K customer reviews.

How much could you get?

You may be sitting on more cash than you realize. Let’s estimate 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 you could do with a HELOC.

Home renovations

An alternative to student loans

Debt consolidation

Raise the limit of your emergency fund

Getting a HELOC is as easy as...

1

Check Eligibility & Gather Necessary Information

Ensure you meet the basic requirements (have a good FICO score, have at least $25,000 worth of equity in your home, live in one of the 50 U.S. States excluding Texas, reside in a single family owner occupied home, etc) and gather necessary documents, including proof of income, property information, and identification.

2

Complete the Application

Click here to start your application. The application process typically takes about 10 15 minutes.

3

Wait for Approval & Finalize your Loan

After submitting your application, a nbkc’er will review your information and be in touch as soon as possible. For a new HELOC, nbkc bank makes funds available on average within 14 working days.

Now it s time for us to ask you a question.

Are you ready to learn how you could access cash your house is sitting on?

1APR = Annual Percentage Rate. Offer is not available in Puerto Rico, Guam, US Virgin Islands, American Samoa, or Commonwealth of the Northern Mariana Islands. 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 06/10/2025. Consult a tax advisor regarding the deductibility of interest. nbkc bank customers are eligible for bank paid third party fees up to $1,000. Borrowers must pay all third party fees exceeding $1,000 at closing. If a HELOC is modified or refinanced, the borrower does not qualify for bank paid fees or the introductory rate. The introductory rate is given once per the life of loan on a residence. Minimum loan amount of $25,000.