Home Equity Line of Credit

Put the equity you’ve built in your home to good use.


As a homeowner, you can tap into the equity you’ve built with a revolving line of credit.1 We provide easy access to your account through convenience checks, and automatic payments can be deducted from your checking account.

What is a Home Equity Line of Credit (HELOC)?

A HELOC is a revolving line of credit secured by your home, allowing you to access the available equity you have in your home. The amount you borrow is based on the difference between the debt secured by your home and its market value. With an equity line, you can borrow as much or as little as you need, whenever you need it, up to a credit limit established at closing. As you repay your outstanding balance, the amount of available credit is replenished, which means you can borrow against it again, if needed.


  • Convenience. The application and approval processes are fast and simple.
  • Lower interest rates. Because HELOCs are secured by the equity in your home, the rates may be lower than other types of loans or credit cards. This may allow you to decrease your monthly payments and save money on the interest you pay.
  • The interest you pay on a HELOC may be tax deductible2, while credit card and auto loan payments are not. Please consult your tax advisor about the deductibility of interest.


  • Minimum of $15,000
  • Interest paid may be tax-deductible2
  • Low variable rate options
  • Revolving credit
  • Closing cost assistance options
  • Free eStatements
  • Online Banking
  • Mobile Banking

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South State proudly serves communities throughout NC, SC and GA.

Exactly what kind of bank is South State Bank? Yours.

Our capabilities and reach have certainly grown through the years, but behind it all is a simple approach: Taking the time to get it right. Valuing personal connections over financial transactions, and knowing our customers personally – being invested in their success, and involved in our communities – is how we serve you, both now and in the future. It’s just the South State way.