--- title: ONE AMERICAN BANK - Personal - HELOC description: Unlock the financial potential of your home with a Home Equity Line of Credit (HELOC). Access low rates, tax deductions, and flexible terms for your needs. --- [Skip to content](https://oneamericanbank.com/personal/heloc#main-content) ![FDIC-Insured - Backed by the full faith and credit of the U.S. Government](https://oneamericanbank.com/hubfs/23426461/FDIC.png) FDIC-Insured - Backed by the full faith and credit of the U.S. Government - [Log in](https://oneamericanbank.myebanking.net/#/login) - [New User](https://oneamericanbank.myebanking.net/#/self-registration) [Close ](https://oneamericanbank.com/personal/heloc#) - Personal - [Checking](https://oneamericanbank.com/personal/checking) - [Savings](https://oneamericanbank.com/personal/savings) - [CD and IRA](https://oneamericanbank.com/personal/investments) - [Lending](https://oneamericanbank.com/personal/lending) - [Health Savings Account](https://oneamericanbank.com/personal/health-savings-account) - Digital Banking - [Online Banking](https://oneamericanbank.com/digital-banking/online-banking) - [Mobile Banking](https://oneamericanbank.com/digital-banking/mobile-banking) - [Cash Management](https://oneamericanbank.com/digital-banking/cash-management) - [e-Statements](https://oneamericanbank.com/digital-banking/e-statements) - [Personal Financial Management](https://oneamericanbank.com/digital-banking/personal-financial-management) - Business - [Checking](https://oneamericanbank.com/business/checking) - [Savings](https://oneamericanbank.com/business/savings) - [Ag Lending](https://oneamericanbank.com/business/ag-lending) - [Business Lending](https://oneamericanbank.com/business/lending) - Rates - [CDs](https://oneamericanbank.com/rate/cd) - [Checking](https://oneamericanbank.com/rate/checking) - [Savings](https://oneamericanbank.com/rate/savings) - [Card Services](https://oneamericanbank.com/card-services) - About - [Our Story](https://oneamericanbank.com/about) - [Careers](https://oneamericanbank.com/careers) - [Contact](https://oneamericanbank.com/contact) - Resources - [Online Security](https://blog.oneamericanbank.com/online-security) - [Financial Calculators](https://oneamericanbank.com/financial-calculators) [ LOGIN ](https://oneamericanbank.myebanking.net/#/login) [ Sign Up ](https://oneamericanbank.myebanking.net/#/self-registration) [ SEARCH ](https://oneamericanbank.com/personal/heloc#) [![logo](https://oneamericanbank.com/hs-fs/hubfs/oab-full-color-horz@2x.png?width=550&height=164&name=oab-full-color-horz@2x.png "logo")](https://www.oneamericanbank.com/?hsLang=en) - Personal - [Checking](https://oneamericanbank.com/personal/checking) - [Savings](https://oneamericanbank.com/personal/savings) - [CD and IRA](https://oneamericanbank.com/personal/investments) - [Lending](https://oneamericanbank.com/personal/lending) - [Health Savings Account](https://oneamericanbank.com/personal/health-savings-account) - Digital Banking - [Online Banking](https://oneamericanbank.com/digital-banking/online-banking) - [Mobile Banking](https://oneamericanbank.com/digital-banking/mobile-banking) - [Cash Management](https://oneamericanbank.com/digital-banking/cash-management) - [e-Statements](https://oneamericanbank.com/digital-banking/e-statements) - [Personal Financial Management](https://oneamericanbank.com/digital-banking/personal-financial-management) - Business - [Checking](https://oneamericanbank.com/business/checking) - [Savings](https://oneamericanbank.com/business/savings) - [Ag Lending](https://oneamericanbank.com/business/ag-lending) - [Business Lending](https://oneamericanbank.com/business/lending) - Rates - [CDs](https://oneamericanbank.com/rate/cd) - [Checking](https://oneamericanbank.com/rate/checking) - [Savings](https://oneamericanbank.com/rate/savings) - [Card Services](https://oneamericanbank.com/card-services) - About - [Our Story](https://oneamericanbank.com/about) - [Careers](https://oneamericanbank.com/careers) - [Contact](https://oneamericanbank.com/contact) - Resources - [Online Security](https://blog.oneamericanbank.com/online-security) - [Financial Calculators](https://oneamericanbank.com/financial-calculators) ## You’re about to leave the ONE AMERICAN BANK website. By clicking **Continue**, you will be leaving the Bank’s website.  The website is hosted by a third party, and may have different privacy and security settings.  Please take the time to review their policies.  ONE AMERICAN BANK does not endorse and is not responsible for the products, services, content, links, privacy policy, or security policy of this website.  Click **Cancel** to close this window and stay on the Bank’s website. Continue Cancel https://www.deluxe.com/https://www.moneypass.com/https://www.facebook.com/OneAmericanBankhttps://www.linkedin.com/company/one-american-bankhttps://apps.apple.com/us/app/one-american-bank/id1279796050?ls=1https://play.google.com/store/apps/details?id=com.csiweb.digitalbanking.bk0697https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits ![firsttimehomebuyer](https://oneamericanbank.com/hs-fs/hubfs/firsttimehomebuyer.jpg?width=300&name=firsttimehomebuyer.jpg) # Home Equity Line of Credit ##### Your home is more than just a home with a HELOC from ONE AMERICAN BANK. Personal Banking ## Home Equity Line of Credit (HELOC) Your home is more than just a home — it is an investment of your time, money, sweat, and tears. Fortunately, a home equity line of credit makes it all worth it. Don’t wait to pay for the things you need — that home improvement, wedding, vacation, or medical emergency. Home equity lines of credit offer lower rates than most consumer loans — plus the interest may be tax deductible.*   You can rely on repayment that is in line with your unique situation. **Features:** - Secured by the existing equity in your home - Available for a wide range of short-term or one-time needs: - Home improvements - New vehicles or vehicle repairs - And much more! - Revolving credit – available balance replenishes as you make payments - The interest paid might be tax deductible* - Only pay interest on the part that you use - Terms tailored to your specific needs - Local decision-making and processing - Detailed, attentive service from start to finish *Consult a tax advisor. [Contact Us](https://oneamericanbank.com/contact?hsLang=en) ![firsttimehomebuyer](https://oneamericanbank.com/hs-fs/hubfs/firsttimehomebuyer.jpg?width=1182&height=593&name=firsttimehomebuyer.jpg) #### Try Our Personal Finance Calculators - [Is an Auto Loan or HELOC best for a car purchase?](https://oneamericanbank.com/financial-calculators/personal-financing/is-an-auto-loan-or-home-equity-loan-best-for-purchasing-a-car?hsLang=en) More Products & Services ## Additional Personal Banking Services ONE AMERICAN BANK offers an array of personal banking products and services. Unlock your financial freedom with our expanded range of personal banking products and services!  [Checking Checking accounts designed with you in mind. Learn More ](https://oneamericanbank.com/personal/checking?hsLang=en)[Savings It’s simple to start saving. Learn More ](https://oneamericanbank.com/personal/savings?hsLang=en)[CD and IRA Start earning more on your money. Learn More ](https://oneamericanbank.com/personal/investments?hsLang=en)[Lending From vehicle repairs, to family vacations we are there for you. Learn More ](https://oneamericanbank.com/personal/lending?hsLang=en)[Health Savings Account An HSA offers you the freedom to use your funds for any number of medical expenses. Learn More ](https://oneamericanbank.com/personal/health-savings-account?hsLang=en) ### Let's Connect ##### Our bankers are ready to focus on what matters most to you. Contact us to set up an appointment or stop by your nearest location. [Contact Us](https://oneamericanbank.com/contact?hsLang=en) ![Female customer support operator with headset and smiling](https://23426461.fs1.hubspotusercontent-na1.net/hub/23426461/hubfs/Female%20customer%20support%20operator%20with%20headset%20and%20smiling.jpeg?width=300&name=Female%20customer%20support%20operator%20with%20headset%20and%20smiling.jpeg) [![oab-white-horz@2x](https://23426461.fs1.hubspotusercontent-na1.net/hub/23426461/hubfs/oab-white-horz@2x.png?width=250&name=oab-white-horz@2x.png)](https://www.oneamericanbank.com/?hsLang=en) Routing Number: **091401553** NMLS Number: **421860** Phone: **605-361-1010** ![member-fdic-equal-housing](https://oneamericanbank.com/hs-fs/hubfs/member-fdic-equal-housing.png?width=110&height=45&name=member-fdic-equal-housing.png) - Legal - [Privacy Notice](https://oneamericanbank.com/privacy-policy) - [Terms of Use](https://oneamericanbank.com/hubfs/23426461/documents/Terms-of-Use-fixed.pdf) - [CRA Public File](https://oneamericanbank.com/hubfs/documents/CRA%20Public%20File_2026_v3.pdf) - Online Banking - [Log in](https://oneamericanbank.myebanking.net/#/login) - [New User](https://oneamericanbank.myebanking.net/#/self-registration) - [MyCard Statement](https://www.mycardstatement.com/#/) - Resources - [Careers](https://oneamericanbank.com/careers) - [Online Security](https://blog.oneamericanbank.com/online-security) - Useful Links - [Financial Calculators](https://oneamericanbank.com/financial-calculators) - [Order Checks](https://www.deluxe.com/) - [Find an ATM](https://www.moneypass.com/) © 2026 ONE AMERICAN BANK. 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