zions bank home equity line of credit

Investors Bank has over 150 locations throughout New Jersey and New York.

Copyright @ Investors Bank. Investors Bank Name and the Weave logo are registered trademarks of Investors Bank. All rights reserved. NMLS #411729. Mortgage Loans provided by Investors Home Mortgage, a wholly owned subsidiary of Investors Bank, and licensed by the NJ Department of Banking and Insurance and the NY Department of Financial Services. NMLS #60061

zions bank home equity line of credit

Zions bank home equity line of credit

Zions bank home equity line of credit

Zions bank home equity line of credit

  • Pay at your own pace: Make payments as low as interest

only on the variable rate portion

  • Access available credit without the need to reapply: As

    your outstanding balance decreases, your available credit

    increases 1

  • Protect yourself from interest rate increases and

    establish regular fixed payments (subject to minimum

    amounts) with our Fixed Rate Advantage Option.

  • A TD Home Equity Flexline allows you to combine the flexibility of a revolving line of credit with the security of a fixed rate portion.

    Variable interest rate that changes with TD Prime Rate.

    As you pay down your outstanding balance, your available credit increases.

    Pay at your own pace without prepayment charges – pay as little as interest only, or pay any or all of your outstanding balance on your variable rate portion at any time.

    Access funds when you need them, with convenient 24/7 access options:

    At your local TD Canada Trust branch

    Transfer funds using EasyWeb online

    Withdraw from an ATM or pay for purchases at retailers with your TD Access Card 2

    Write a cheque on your TD Home Equity FlexLine (contact us to order your free personalized cheques)

    The Fixed Rate Advantage Option allows you to create a Fixed Rate Portion with a closed term of one to five years.

    You may have already selected to take advantage of a fixed rate portion, or you can at any future time lock all or a portion of the outstanding balance of your variable rate portion into a FRAO and protect yourself from rate increases and establish regular fixed payments (subject to minimum amounts).

    On the Fixed Rate Portion you can:

    Make one or more prepayments up to 15% of your original Fixed Rate Portion amount every year.

    Increase your payment amount by up to 100% of your original regular payment.

    Increase your payment frequency: switch to rapid payments and possibly make up to an extra month's payment every year.

    2 TD Access Card must be programmed for your TD Home Equity FlexLine. Fees may apply.

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    Get comfortable with your TD Home Equity FlexLine

    Get an overview and learn about the Fixed Rate Advantage Option

    Smart ways to use the equity you've built in your home

    Flexible ways to access your funds and manage your account

    Understand when compensation charges may apply

    An overview of the information in your monthly statement

    (b) the posted interest rate for a Similar Mortgage, less the rate discount received by you under this Fixed Rate Portion. Your rate discount is shown under Interest. A Similar Mortgage is a mortgage offered by us which has a fixed interest rate and a closed term that is closest to the remaining term of your Fixed Rate Portion as determined by us. The interest rate for a Similar Mortgage is determined on the earlier of the date of the prepayment or the date of issuance of a valid official statement for discharge purposes. The remaining term for a Similar Mortgage is determined as of the date of prepayment. To estimate the prepayment charge using the IRD amount:

    (i) use the chart below to find the term for a Similar Mortgage: