Home, Student, Vehicle & Personal Loans

Home Equity Loans and Lines of Credit

Use the equity in your home to finance your plans». Flexible options make it easy for you to use the credit in the ways you need it most. For a limited time, finance your plans at a special Annual Percentage Rate(APR) as low as 5.29%* for the first 12 months.

Explore Home Equity Line of Credit Offer
Personal Loans & Lines of Credit
If you’re looking for extra cash for specific purchases, medical bills or even taxes, then take a look at options for personal loans and lines of credit†.
See Personal Loan Options
Home Renovation Financing Options
One of the first big decisions when starting a home improvement project is planning how to pay for it. See the options we offer to fund your next project.
See Financing Options
Home Equity Loans & Lines of Credit
Installment loans or revolving lines of credit» secured by the equity in your home give you access to cash for repairs or unexpected expenses.
See Home Equity Loans

Credit cards that earn rewards

Choose from a variety of cards and find the one that fits your needs. Get Mastercard's® free monitoring and alerts to help protect your personal information online. Earn 4 points for every $1 purchase, which you can redeem for travel, gift cards, merchandise or cash back∉.

Find the right credit card
Wherever you are in your higher education, get the money you need for school. Student loans from Banner Bank in partnership with Sallie Mae® could help.
Student Loans
Vehicle loans† for new and used cars and trucks, plus motor homes, travel trailers, boats, ATV’s, motorcycles and snowmobiles.
Vehicle Loans

Earn 4 points for every dollar you spend on your home equity projects – and redeem for travel, merchandise, gift cards and more.

Home Equity Rewards Mastercard®
What is a HELOC and how can I use one?
Whether it’s a new roof that just can’t wait or college tuition coming due, sizable expenses sometimes require financing. If you are a homeowner, a source of funds that may be available is a home equity line of credit, or HELOC. 
Read the blog about how to use a HELOC
How much home can I afford?
Looking to buy a home? It's good to know what you can afford before you start shopping. Use this calculator to see how much your monthly mortgage payments will be.
Use this calculator
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Subject to credit approval and at least one of the HELOC applicants and the collateral must be in Washington, Oregon, Idaho or California. View a list of Banner Bank's Mortgage Loan Originators National Mortgage Licensing System ID numbers.
 *
APR (Annual Percentage Rate) as low as 5.29% fixed for the first 12 months or as low as 5.99% for the first 24 months requires a minimum credit score of 750 or greater. Rate includes a 0.50% discount by establishing an automatic payment from any Banner Bank personal checking account prior to closing. Followed by a floating rate of WSJ Prime plus 0.74% with a floor rate at 4.25% APR. Annual fee of $125 applied on first anniversary and each year after. Maximum Loan to Value is 80%. Excludes existing Banner Bank HELOCs, Home Equity Loans, Bridge Loans and non-owner-occupied transactions. Residential appraisals only, and paid by client. No commercial appraisals and proof of insurance is required. Subject to credit approval. Not all applicants will qualify. Minimum credit of 650 required for program. Available for applications submitted between March 2, 2026 through June 26, 2026.
∉

View complete credit card terms and conditions.

†
Subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or current Banner Bank deposit clients.