Home Equity Loans

A new family room, or a new family member?» 


 With a HELOC, you use the equity in your home to finance all sorts of ideas, like landscaping your lawn or putting a pizza oven on your patio. You can even use it to consolidate debt or pay off bills.

For a limited time, you can lock in a fixed rate for 24 months and enjoy no closing costs on your HELOC.

  • Lines up to $250,000 have a 24 month fixed rate as low as 3.49% APR*
  • Lines over $250,000 have a 24 month fixed rate as low as 3.99% APR*

With Banner Bank you always receive:

  • Competitive rates and fees
  • In-house approvals and fast processing
  • Exceptional client service
  • Clear and responsive answers

Why wait? Stop by your local branch to learn more. Or, call us at 800-272-9933.
We look forward to helping you turn your ideas into reality.

Learn more

Home equity loans and lines of credit for extra expenses.

The home equity loan: You can secure an installment loan for your one- to four-unit family residential property, whether or not you are an owner occupant. It can help you so many ways, beyond just housing needs. Take a look:

  • Home improvement tasks
  • Debt consolidation
  • College tuition
  • Interest may be tax deductible. Consult a tax adviser to find out.

Apply today. Visit any Banner Bank branch or call us at 800-272-9933.

Home Equity Line of Credit (also known as a HELOC, pronounced He-lock)

Consider a home equity line of credit for your one to four-unit family residential property. Programs are available for both owner-occupied and non-owner-occupied properties. Flexible options make it easy for you to use the credit in the ways you need it most:

  • Funds can be advanced by credit line checks, Home Equity Rewards Mastercard®, online transfer or by a telephone request.
  • You can fix the rate for either five or ten years, providing protection from increases in interest rates.
  • Interest may be tax deductible for this loan. We always encourage you to verify with your tax adviser.

Access cash and rewards easily with a Home Equity Rewards Mastercard®

This unique Mastercard credit card gives you convenient, anytime-access to your Banner Bank Home Equity Line of Credit. You’ll also earn TruRewards® points on qualifying purchases, which you can redeem for airline tickets, gift certificates and more.

The card features chip & signature technology for added protection and use in more than 130 countries. Additional benefits include Auto Rental Collision Damage Waiver, Emergency Assistance 24 x 7, $250,000 Travel Accident Coverage, Extended Warranty Coverage, Price Protection, Satisfaction Guarantee, Purchase Assurance Coverage, Mastercard Global Service™, Zero Liability and Identity Theft Resolution Services.

If you plan to shop online with your Home Equity Rewards Mastercard, you can enroll in Mastercard SecureCode®, which is an added layer of security that allows you to require a password when making purchases online.


View a list of Banner Bank's Mortgage Loan Originators National Mortgage Licensing System identification numbers.

 *APR (Annual Percentage Rate) is fixed for the first two years followed by a floating rate; for lines up to $250,000 as low as WSJ Prime plus 0.49% and for lines over $250,000 as low as WSJ Prime plus 0.99%. Floor rate as low as 3.74% and a ceiling rate of 18%. Rates include a discount; 0.25% for auto-pay from a Banner Bank checking account and 0.25% for having Banner’s Best Checking. Annual fee of $75 is waived for the first year. Loan-to-value up to 80%. Excludes purchase money transactions. Subject to credit approval. Available April 3, 2017 through June 2, 2017. 

View a complete list of card benefits.
Access complete credit card terms and conditions.

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

Adam Reiter

Personal Banking

He calls Banner Bank the “bank of me,” and for this Portland-based client it’s all about Banner’s commitment to customer service.

He calls Banner Bank the "bank of me," and for this Portland-based client and career coach it's all about Banner's commitment to customer service.

As a young man, Adam worked as a messenger in Beverly Hills, a job that often took him to exclusive, private banks. He marveled at how they treated customers like kings, and wanted that experience, too. But he thought he’d need to be rich.

I’m still not rich,” laughs Adam. “But I feel rich when I walk into Banner. It’s where service is first, foremost and, for me, forever.

He became a Banner customer, as he puts it, “by accident.” When he felt taken for granted by another bank, he stepped into a Banner branch and was impressed right away. That was 5 years ago. “And I’ve been ditching my other banks ever since,” he says.

In his business, Adam prides himself on customer service. So he appreciates the service he finds at Banner. “It doesn’t matter which branch I go to, they know my name. I can’t remember the last time I even had to give my account number.”

Another part of Banner service he appreciates is the simple act of calling up and finding a person he knows. “They don’t outsource me or make me press 1 over and over. I call and get my issue solved. Just like that.”

“The other banks just don’t get it. They nickel and dime you and then try to give you a free mug,” says Adam. “I don’t want a free mug. I just want good service.”

Adam has one remaining account at another bank, and he’s switching it over at the soonest opportunity.

“I call it the ‘bank of me,’” he says. “That experience of walking into a bank and they know your name and they care about your business—that’s Banner Bank.”

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