Use the funds however you need up to your approved credit limit
Home Equity Line of Credit
Turn Your Home Equity Into Financial Flexibility
With a HELOC1, you can use the equity you've built in your home to fund home repairs, consolidate debt, or cover major expenses.
Benefits of a Home Equity Line of Credit
HELOCs can be helpful tools to maximize cash flow when you need it most. Although your home serves as collateral for your HELOC, you aren’t required to use the funds on home improvements. To access your HELOC, transfer the funds to your SouthState checking account through Online Banking or the SouthState Mobile App, or contact a branch to request checks.2
Here are a few key benefits to a HELOC:
Here are a few key benefits to a HELOC:
Competitive interest rates, often lower than other credit options
Flexible repayment options
Interest may be tax deductible if you meet certain IRS conditions2
HELOC Options
HELOC Options
Promo Rate
1 Year Fixed Rate2
5.49% APR
Then Variable rate (Prime + 0%), currently
6.75% APR
Flex Fixed Rate
How It Works
How It Works
- You may draw on your HELOC as often or as little as you need, up to your approved credit limit, during your HELOC’s draw period.2
- During the draw period, you will be required to make minimum payments of interest only.
- After the draw period ends, you will enter the repayment period. During that time, your monthly payments will include principal and interest and will be based on your outstanding balance, the current variable interest rate, and the remaining repayment term.
- If you'd like to extend the term of your HELOC, you may apply to renew or refinance your HELOC. Contact a banker to discuss available options.
The Loan Process
The Loan Process
APPLY
You can apply for a Home Equity Line of Credit online or by visiting a SouthState branch. Closing typically takes 30 to 45 days.
SUBMIT YOUR DOCUMENTS
You may receive an email requesting additional financial information once your application has been received.
SIGN YOUR DOCUMENTS
Once approved, you will need to sign the loan documents with an attorney or at your nearest SouthState branch. We can arrange a time that works best with your schedule.
How Much Equity Do You Have In Your Home?
Try Our Home Equity CalculatorStories and Insights
Important Legal Disclosures and Information
- Primary residences only. Minimum loan amount $10,000. Minimum advance of $10,000 required at closing. After the initial minimum advance of $10,000, draws on HELOCs secured by a Texas Homestead are required to be no less than $4,000 per draw. Hazard insurance is required; flood insurance may apply. Other exclusions and limitations apply. All loans are subject to credit approval. Not all applicants will qualify for the advertised Annual Percentage Rate (APR). APRs and product terms are subject to change based on borrower eligibility and market conditions.
- Please consult your tax advisor about the deductibility of interest.
- Transfers through SouthState Online Banking or Mobile App are not available for HELOCs secured by a Texas Homestead. Third party message, data, or internet service provider fees may apply.
- 5.49% Annual Percentage Rate (APR) will be fixed for the first 12 months (introductory period). After the introductory period, the interest rate will be variable and based on the Wall Street Journal U.S. Prime Rate (WSJ Prime) which is 6.75% as of December 11, 2025. The minimum APR is 3.25% and maximum APR is 16.00%. Maximum term 360 Months. Minimum payment during the 120 Month draw period is interest owed, plus any amount past due and all other charges. Minimum payment during the 240 Month repayment period is principal and interest owed, plus any amount past due and all other charges. Estimated closing costs range from $339 to $6,203, which includes, but not limited to, appraisal, flood determination and settlement fees. Additional fees may apply and vary based on collateral location and loan amount.
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6.85% Annual Percentage Rate (APR) is fixed rate for the first 48 months and current as of July 20, 2026. Thereafter, the interest rate will be variable and based on the Wall Street Journal U.S. Prime Rate (WSJ Prime) which is 6.75% as of December 11, 2025. The minimum APR is 3.25% and maximum APR is 16.00%. Maximum term 360 months. Minimum payment during the 120 Month draw period is interest owed, plus any amount past due and all other charges. Minimum payment during the 240 Month repayment period is principal and interest owed, plus any amount past due and all other charges. Estimated closing costs range from $339 to $6,203, which includes, but not limited to, appraisal, flood determination and settlement fees. Additional fees may apply and vary based on collateral location and loan amount.
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7.25% Annual Percentage Rate (APR) is variable, includes a .50% margin, and subject to change based on the Wall Street Journal U.S. Prime Rate (WSJ Prime) which is 6.75% as of December 11, 2025. The minimum APR is 3.25% and maximum APR is 16.00%. Maximum term 360 Months. Minimum payment during the 120 Month draw period is interest owed, plus any amount past due and all other charges. Minimum payment during the 240 Month repayment period is principal and interest owed, plus any amount past due and all other charges. Estimated closing costs range from $339 to $6,203, which includes, but not limited to, appraisal, flood determination and settlement fees. Additional fees may apply and vary based on collateral location and loan amount.
- We may pay some or all of the third-party fees you must pay in connection with opening a Credit Line (collectively “Closing Costs”). Closing costs vary by state. For Credit Lines of $250,000 or less we will pay all Closing Costs. However, for all Credit Lines of $250,000 or less, if the appraisal cost exceeds $160, you are responsible for paying all amounts over $160 for the appraisal. For Credit Lines greater than $250,000, we will pay Closing Costs up to $1,800 in Florida, up to $1,300 in Virginia, up to $1,200 in Georgia, up to $1,000 in Texas, up to $800 in Alabama, and up to $750 in Colorado, North Carolina, South Carolina and Tennessee. Should you close your Credit Line within 30 months from the anniversary date of the Credit Line closing, you will reimburse us for all Closing Costs paid by us on your behalf. The requirement to reimburse us for any Closing Costs paid by us on your behalf shall be waived if you keep your Credit open for at least 30 months. The reimbursement of Closing Costs provision does not apply to Credit Lines originated by North Carolina or Texas residents. We will not pay any amounts towards Closing Costs for any future extension or refinance of the Credit Line.
