When you open a variable-rate Home Equity Line of Credit, you can lock in a portion of that line at a fixed interested rate for a specified term to take advantage of lower rates that won’t fluctuate. And you can set up additional Fixed Rate Locks as the need arises, up to the amount available on your Home Equity Line of Credit.

For example, you may have a $25,000 Home Equity Line of Credit. You can fix a portion of that amount, say $10,000 at a lower fixed rate for a five to 20 year term. The remaining $15,000 is still available to you at the variable rate, or to lock in at a fixed rate. You can have up to three Rate Locks in place at a time, with a minimum of $5,000 per Rate Lock.

Right now, we’re offering a great rate of 5.99% APR for a five year Fixed Rate Lock on Home Equity Lines of Credit.*

Fill out the form below, drop in to a branch or contact our One Call Center at (888) 522-2265 for more information.

Use the options below to start or edit an existing Home Equity Line of Credit application.

*Rate current as of 8/1/2025 and is subject to change without notice. The five year Fixed Rate Lock of 5.99% APR requires a Lake City Bank Home Equity line of credit, credit approval, an 85% or less loan-to-value ratio (90% loan-to-value if first mortgage is with Lake City Bank) and an automatic payment deduction from a Lake City Bank checking or savings account (higher APR applies without an automatic payment deduction). Terms of repayment per $1,000 borrowed: 60 monthly payments of $19.33. Minimum loan amount is $5,000 with a cumulative maximum of $250,000. Rate is available for new Fixed Rate Locks only. Not available for mobile homes. A maximum of three Fixed Rate Locks can be active at any given time. You must carry insurance on the property that secures your Home Equity line of credit. Contact Lake City Bank for other rate and term options. Institution ID# 431669.