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Momentum Home Equity Line of Credit 

Consolidate debt all under one roof

Take advantage of your home’s equity

Use a HELOC to consolidate debt, renovate your home or get the cash you need for your next big expense.  

The Momentum HELOC is specifically designed for flexibility and manageable payments. You’ll get an ultra-competitive intro rate and the payment option of your choice:  

  • Interest-only payments during the 10-year draw period3  
  • Or 1% of the current balance or $100, whichever is greater 

Start with a

2.99% APR

6-month

Introductory rate1

Apply now

As low as

7.00% APR

Standard rate2

Ways to use a HELOC 

  • Consolidate debt into one easy payment 
  • Renovate your home 
  • Invest in your small business 
  • Get cash for emergencies 
  • And more 

Consolidate payments all under one roof 

When you’re feeling the stress of high-interest debt, a HELOC could help you simplify your payments and improve your situation. You could even save money with a lower interest rate. Apply now to get started. 

Fixed-rate conversion option 

HELOCs typically have a variable rate. With our HELOC, you can convert draws of $5,000 or more into a fixed-rate loan.4 This option creates stability and could save you money! 

1 OAC. $99 annual fee, minimum loan amount is $10,000. Introductory rate is available for a 6-month period after loan is booked and applies to all balances during that period. After the first 6 months the loan will revert to the standard variable rate. Horizon will pay closing costs associated with this loan such as: origination fee, credit report, flood determination, title search, recording and automated property valuation. If an appraisal is required, you will be responsible for the fee whether or not the loan is approved and funded. Should you choose to close out this loan within 24 months of origination, you will be obligated to pay Horizon the full amount of the total closing costs for the loan. Early termination fees may apply. Membership fee, other terms and restrictions may apply. Rates subject to change without notice.
 
2 Standard rate displayed is a variable rate and the lowest available to qualified borrowers; your rate may be higher. Rate based on Wall Street Journal prime rate plus a margin and is adjusted quarterly. Current rates range from 7.00% to 18.00% The maximum APR is 18.00%. Rate subject to change without notice.  
 
3 Borrowers may opt for interest-only payments during the initial draw period (10 years). Monthly payments are typically lower with the interest-only payment option; however your principal balance will remain the same until you make additional payments to the principal. After the draw period, the monthly payment will be calculated to repay your loan within the remaining 15 years and may adjust quarterly based on the prime rate.
 
4 During the initial 10-year draw period, you may elect to convert portions of the Home Equity Line of Credit from a variable rate to a fixed-rate loan for a fee of $75. The minimum amount to be converted to a fixed rate is $5,000. 

The rates and terms shown are effective as of November 10, 2025.  View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.