Take advantage of low interest rates with a Home Equity Line of Credit.

View Our Current HELOC Special Rates

With rates near historic lows, now is a good time to turn your home’s equity into cash. Our competitive rates include variable and fixed-rate options. Work directly with a Home Equity Specialist today to determine the right loan option for your specific needs.

Unlimited ways to use your Home Equity Line of Credit.

Use your Home Equity Line of Credit continuously, up to your available credit limit, for a variety of purposes including:

  • Home improvements

  • Emergency funds

  • Education expenses

Access funds when you need them.

Use your Tri Counties Bank Equity Access Visa® Card to conveniently and securely access your Home Equity Line of Credit.

24/7 Convenience

World-wide acceptance – Use your card to make purchases at millions of locations around the world and online, anywhere Visa® is accepted.*

Added Security

Pay with confidence – You will not be responsible for unauthorized purchases.

Card Controls

Turn your card off and on, set controls and alerts, and view balances and transactions from the convenience of Tri Counties Bank Mobile Banking.


Thanks to Visa®, enjoy exclusive offers from your favorite merchants.

Three easy ways to apply.

  1. Apply online

  2. Speak with a Home Equity Specialist: 1-800-982-2660

  3. Stop by your local branch

* Please refer to your Tri Counties Bank Home Equity Line of Credit Agreement and Disclosure for transaction limitations that apply to your Equity Access Card. You may use your Equity Access Visa Card for a total of 3 advances and a maximum of $10,000 per day. If you need to make a large purchase over your $10,000 daily limit, feel free to contact us at 1-800-922-8742. Before you travel internationally or out of California, please call us at 1-800-922-8742 to avoid potential declines when using your card. Your Equity Access Visa® Card cannot be used to obtain a cash advance at an ATM.

All loans are subject to credit approval.

equal housing lender
NMLS #458732

Speak with a Home Equity Specialist

One of our Home Equity Specialists will contact you and answer any questions you may have to help turn your home's equity into cash.