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KleinBank's FlexLine is the most flexible Home Equity Line of Credit. Learn how you can lock part of your FlexLine to take advantage of low rates and consistent payback schedules.

FlexLine Lock Special, 1.99% APR* for 3 months, 4.78% APR* after 3 months

Use it like a line. Lock it like a loan. With a low intro rate on locks made to your FlexLine, you can take full advantage of the most flexible home equity line of credit.


A Home Equity Line of Credit lets you use the equity in your home to make large purchases, make home improvements, and more. Plus, funds can be available in as little as two weeks from the time of application.*

* 1.99% FlexLine Lock offer. Locking all or a portion of your FlexLine Home Equity Line of Credit will establish a set rate and payment schedule for the amount locked. Special rate offer available for locks made between 3/15/18-5/31/18. Example monthly payments for a locked amount of $20,000 for 60 months: 3 monthly payments of $350.50 at 1.99% APR followed by 57 monthly payments of $373.52 at 4.78% APR for remaining term. Lock rates are determined by term of the lock and vary from 6 up to 84 months depending on remaining term of the FlexLine. Minimum lock amount is $2,500. Existing KleinBank FlexLine lock may be refinanced with addition of $10,000 additional advance. A $35 FlexLine Lock fee is collected at closing. The APR for a non-locked balance can change daily and is tied to Wall Street Journal Prime (4.50% as of 03/01/18) or floor of 3.75% whichever is greater. The APR cannot exceed 21.75% and the floor is a standard 3.75%. Rate will be determined with credit decision and will be higher if you do not meet the following: a credit score of 740 or above, debt-to-income of 20% or less, and loan to value of 80% or less, and automatic payment is required from a KleinBank account. Annual fee of $50 will be applied after first year of opening line of credit. Requires monthly payments with a balloon payment due at maturity. Minimum line amount of $5,000, maximum $250,000. Homeowners insurance is required. Qualifications apply to primary residences only. If line is not maintained for three years, customer is responsible for closing costs. Closing costs range from $450 to $1,500 based on loan amount. 2-week turnaround from application to closing is subject to satisfactory collateral valuation, income verification, and title work. Regular credit guidelines apply. Other products and terms available including secondary residences. Offer only applies to FlexLine Home Equity Line of Credit. Does not apply to the SmartLock product. Rates and terms are current as of 03/01/18 and subject to change. MEMBER FDIC