Best MO HELOC RatesMissouri Home Equity Line of Credit Rates

Compare home equity line of credit (HELOC) rates in Missouri

(Last Updated: 06/29/2025)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
8.500% Intro APR
8.500% After Intro PeriodIntro Period: 0 months		 8.500% Rate $25,000 Min. Initial Draw Amount
Conditions:
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms.
  • Customized Rate Quote
  • 24/7 Online Borrower Portal
  • Streamlined Online Application
  • Up to 100% LTV
Cash-Out and Home Equity Options Available.
Conditions:
Cash-Out and Home Equity Options Available.
  • Competitive Rates for FICO Scores 580-679
  • 366k+ positive reviews, A rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
Home Equity Loans & Refinance – Cash out
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
  • Home Equity Loans & Refinance – Cash out
  • Customized rate quote with no impact to credit
  • Low Rates, Quick Approvals, Wide Range of Products
  • Over 100 Billion Funded. 22 Years in Business
Get cash now in exchange for a percentage of your homes future equity.
Conditions:
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
  • No monthly payments or interest charges
  • Minimum Credit score: 500
  • Access up to $500k
  • No need to refinance
Home Equity Line of Credit - Equal Housing Lender
Conditions:
Interest-only payments during the 10-year draw period
  • Home Equity Line of Credit - Equal Housing Lender
  • Loans Amounts from $25,000 - $500,000
  • Get a HELOC from PenFed to Put Your Home Equity to Work
  • HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans
4.990% Intro APR
8.750% After Intro PeriodIntro Period: 6 months		 8.750% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
7.890% APR 7.890% Rate $0 Min. Initial Draw Amount
8.000% Intro APR
8.250% After Intro PeriodIntro Period: 6 months		 8.250% Rate $0 Min. Initial Draw Amount
6.500% Intro APR
8.000% After Intro PeriodIntro Period: 6 months		 8.000% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
9.000% After Intro PeriodIntro Period: 12 months		 9.000% Rate $0 Min. Initial Draw Amount
6.490% Intro APR
8.940% After Intro PeriodIntro Period: 6 months		 8.940% Rate $100,000 Min. Initial Draw Amount
5.990% Intro APR
8.850% After Intro PeriodIntro Period: 12 months		 8.850% Rate $25,000 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
4.990% Intro APR
8.875% After Intro PeriodIntro Period: 6 months		 8.875% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
6.990% After Intro PeriodIntro Period: 12 months		 6.990% Rate $0 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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