HELOC Offer
Your home's equity can do more with a Home Equity Line of Credit from Stock Yards Bank & Trust.
You can access funds for renovations, debt consolidation, tuition, or life's unexpected expenses—borrowing only what you need, when you need it. Backed by the personal service and local expertise Stock Yards Bank & Trust is known for, our HELOC options make it easy to put your equity to work on your terms.
Close on a Home Equity Line of Credit and receive a
$100 Lowe's Gift Card on us!3
6-month Introductory HELOC Rate
PRIME minus 1.00% APR1
After 6 months, Variable HELOC Rate as low as
PRIME2
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Is a Home Equity Line of Credit (HELOC) Right for You?
A Home Equity Line of Credit (HELOC) can be an excellent financing option if you're looking for flexible access to funds as needs arise. Whether you're planning a home renovation, consolidating higher-interest debt, covering education expenses, or preparing for unexpected costs, a HELOC allows you to borrow against the equity you've built in your home and access funds when you need them.
Unlike a traditional loan that provides a lump sum, a HELOC gives you a revolving line of credit that can be used over time, offering flexibility and convenience for ongoing or unexpected expenses.
Important HELOC Information
- HELOCs are secured by your home, which may be at risk if required payments are not made.
- Variable interest rates may increase over time, which could result in higher monthly payments.
- Rates, terms, fees, and credit limits are subject to credit approval and may vary based on individual qualifications.
- Property insurance is required, and flood insurance may be required depending on your property's location.
Why Choose Stock Yards Bank for Your Home Equity Line of Credit?
For more than 120 years, Stock Yards Bank & Trust has helped homeowners throughout Kentucky, Indiana, and Ohio achieve their financial goals with trusted lending solutions and personalized service.
Whether you're funding a major home improvement project, consolidating debt, or creating a financial safety net, our experienced lending team is here to help you determine if a HELOC is the right solution for your unique needs.
The Stock Yards Bank HELOC Advantage
- Flexible borrowing and repayment options designed to fit your budget
- Secure online banking access for account management and payments
- Personalized guidance from knowledgeable
1. Home Equity Line of Credit: Variable Annual Percentage Rate (“APR”) is based on The Wall Street Journal Prime Rate (“Prime”) published daily, (7.00% as of 9/17/2026). Introductory Annual Percentage Rate (APR) is available on Home Equity Line of Credit with an 80% loan-to-value (LTV) or less. During the 6-month introductory period, the APR will be Prime minus 1.00%. If Prime increases or decreases during this period the APR will also change. Offer may be changed or discontinued at any time.
2. After the 6-month Introductory Period, the Annual Percentage Rate will be your approved variable rate. Your rate and corresponding APR is dependent on your credit history, loan amount, and Stock Yards Bank’s credit policies. Rate is variable and will fluctuate based on changes to the Prime Rate (Index Rate) as published in the Wall Street Journal. Your APR will not exceed 24.00%. The APR will not go below 4.00% (floor rate). Subject to credit approval on a Stock Yards Bank & Trust Home Equity Line of Credit on owner occupied homes with an 80% or less loan-to-value ratio. Line amounts range from $25,000 to $250,000.00. Annual fee of $50 will be charged at the first anniversary of the plan and each year thereafter. Early termination fees may apply if line of credit is closed within 3 years. Not available to refinance existing Home Equity Loans. Property insurance is required and, if applicable, flood insurance will be required. This loan is not available for the purchase of a primary residence. Other restrictions may apply. Consult your tax advisor regarding interest deductibility. A 1098 will be issued as required by law. All loans subject to credit approval and Stock Yards Bank lending policies. Terms and conditions subject to change. Speak to a loan officer for details. SYB – NMLS# 433971.
3. Fall 2026 Home Equity Line of Credit Lowe’s Gift Card Promotion Rules: 10/1/2026 to 11/15/2026. Any customer who opens a new Home Equity Line of Credit will receive one (1) Lowe’s Gift Card for $100.00. One Gift Card per closed Home Equity Line. Gift Cards will be mailed to the customer within one hundred twenty (120) days of loan closing and any applicable cancellation period. Must be a new Home Equity Line of Credit or include an increase in total limit of at least $15,000 to be eligible for the gift card. Terms and conditions are subject to change. All loans are subject to approval. Offer is not guaranteed.