Clayton, MO Home Equity Loan & HELOC Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Clayton, Missouri home equity loan and HELOC rates range from 5.00% to 9.57%, verified by MonitorBankRates as of October 12, 2026. Current home equity line of credit (HELOC) rates in Clayton, Missouri include BMO Bank National AssociationBMO Bank National Association700 Corporate Park Dr, Clayton, MO, 63105A+5.0 ★Texas Ratio: 3.54% offering Home Equity Variable rate HELOC at 7.59%, First Interstate BankFirst Interstate BankA+5.0 ★Texas Ratio: 4.72% offering Home Equity HELOC Special Offer at 5.24%, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionA-5.0 ★Texas Ratio: 14.54% offering Home Equity Variable (70% LTV) at 5.49%, First Missouri Credit UnionFirst Missouri Credit UnionA5.0 ★Texas Ratio: 6.01% offering Home Equity Line of Credit (Owner-Occupied) - Quarterly Adjusted Rate at 5.49%, and Public Safety Credit UnionPublic Safety Credit UnionA+5.0 ★Texas Ratio: 2.02% offering Home Equity Loan at 5.49%. Home equity and HELOC rates as of October 12, 2026 according to verified data from MonitorBankRates. Use the tabs below to compare home equity loans and HELOCs side by side. Rates are continually updated, we recommend checking back frequently.
Rates reflect actual verified offers from lenders actively serving Missouri borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: October 12, 2026
Compare Home Equity & HELOC Rates Today in Clayton, Missouri & the Surrounding Area
Clayton Home Equity Loan Rates
81- 90% Loan to Value; Rates as low as
No additional details available.
Additional APR listed for this product: 5.99%. Loan Amount: $10,000.00 - $350,000.00
Published APR range: 5.74%-9.24%.
- Oct 8, 20265.74%▲ from 5.49%
- Sep 16, 20265.49%first recorded
No additional details available.
- Oct 2, 20266.00%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Term: Up to 60 Months; 80% CLTV; APR with checking & direct deposit
- Sep 22, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%▼ from 6.24%
- Sep 14, 20266.24%first recorded
Published APR range: 6.25% - 10.25%. 5 year balloons
No additional details available.
- Oct 2, 20266.25%▲ from 5.75%
- Sep 14, 20265.75%first recorded
No additional details available.
- Oct 2, 20266.25%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Published rate range: 6.25%-8.50%. Loan Amount: More than $30,000
STARTING AT
Term: Up to 60 Months; 80% CLTV; APR without checking & direct deposit
- Sep 22, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Annual Percentage Rate based on $10,000 loan. If you borrowed $10,000 for 60 months at 5.00%, your monthly payment would be $190.62 with an APR of 6.495%, which includes the 1.00% Origination Fee at closing.
No additional details available.
- Oct 2, 20266.50%▲ from 6.00%
- Sep 14, 20266.00%first recorded
As Low As; Loan amount: $10,000 minimum; CLTV: up to 90% max
Term: Up to 120 Months; 80% CLTV; APR with checking & direct deposit
- Sep 22, 20266.74%▲ from 6.49%
- Sep 18, 20266.49%▼ from 6.74%
- Sep 14, 20266.74%first recorded
No additional details available.
- Oct 2, 20266.75%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Term: 10 year draw period 15 repayment; Deed or Trust required; 50% of Tax Assestment or 80% of Appraisal
As Low As
Variable Rate
As Low As
Published rate range: 6.75%-9.00%. Loan Amount: More than $30,000
Loan Amounts: $1,000 to $40,000; Maximum LTV: 25%
As Low As; Loan amount: $10,000 minimum; CLTV: up to 90%
Loan Amount: $5,000.00 - or more
- Oct 2, 20266.99%▲ from 6.74%
- Sep 29, 20266.74%first recorded
As Low As; Loan amount: $10,000 minimum; CLTV: up to 90%
Term: Up to 120 Months; 80% CLTV; APR without checking & direct deposit
- Sep 22, 20266.99%▲ from 6.74%
- Sep 14, 20266.74%first recorded
No additional details available.
- Oct 2, 20267.00%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As
- Sep 18, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Rate adjusts quarterly to the Prime Rate as published in the Wall Street Journal plus .74%. That rate is currently 7.00%. The maximum APR that may apply is 18.00%. NMLS ID # 684198. Federally insured by NCUA. Equal Housing Lender.
- Oct 10, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%first recorded
As Low As; Loan amount: $10,000 minimum; CLTV: up to 90%
Term: Up to 180 Months; 80% CLTV; APR with checking & direct deposit
- Sep 22, 20267.24%▲ from 6.99%
- Sep 18, 20266.99%▼ from 7.24%
- Sep 14, 20267.24%first recorded
Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 10/01/2026, the fixed rate for an 80% Hybrid Locked segment is as low as 7.24%. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.
Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 10/09/2026, the fixed rate for an 80% Hybrid Locked segment is as low as 7.24%. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.
$583 Savings Over 10 Years
As Low As
No additional details available.
No additional details available.
- Oct 9, 20267.25%▲ from 7.00%
- Sep 18, 20267.00%▲ from 6.50%
- Sep 14, 20266.50%first recorded
No additional details available.
Rates as low as 7.340% APR and assume a 750 FICO, primary residence, and a 70% maximum HLTV on a 5-year term. Rates are based on loan term, credit history, loan-to-value (LTV)/combined loan-to-value (CLTV)/high credit loan-to-value (HLTV) ratio, loan amount, and occupancy, so your rate may differ. Navy Federal will pay for all closing costs on fixed-rate equity loan applications. For loan amounts up to $250,000, closing costs that members may pay typically range between $300 and $2,000.
No additional details available.
- Oct 9, 20267.40%▲ from 7.15%
- Sep 14, 20267.15%first recorded
Balance Amount: $5,000.00 - or more; Loan Amount: $5,000.00 - or more
- Oct 2, 20267.49%▲ from 7.24%
- Sep 29, 20267.24%first recorded
Term: Up to 180 Months; 80% CLTV; APR without checking & direct deposit
- Sep 22, 20267.49%▲ from 7.24%
- Sep 14, 20267.24%first recorded
No additional details available.
- Oct 9, 20267.50%▲ from 7.25%
- Sep 14, 20267.25%first recorded
No additional details available.
- Oct 9, 20267.60%▲ from 7.35%
- Sep 14, 20267.35%first recorded
No additional details available.
Term: Up to 240 Months; 80% CLTV; APR with checking & direct deposit
- Sep 22, 20267.74%▲ from 7.49%
- Sep 18, 20267.49%▼ from 7.74%
- Sep 14, 20267.74%first recorded
No additional details available.
Term: Up to 240 Months; 80% CLTV; APR without checking & direct deposit
- Sep 22, 20267.99%▲ from 7.74%
- Sep 14, 20267.74%first recorded
No additional details available.
No additional details available.
Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 10/01/2026, the fixed rate for an 90% Hybrid Locked segment is as low as 8.24%. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.
Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 10/09/2026, the fixed rate for an 90% Hybrid Locked segment is as low as 8.24%. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.
No additional details available.
Secondary
- Sep 18, 20268.25%▲ from 7.25%
- Sep 14, 20267.25%first recorded
Loan Amounts: $1,000 to $300,000; Maximum LTV: 80.00%
No additional details available.
Balance Amount: $5,000.00 - or more; Loan Amount: $5,000.00 - or more
- Oct 2, 20268.49%▲ from 8.24%
- Sep 29, 20268.24%first recorded
As Low As; Rates effective as of 04/14/2026. Rates subject to change without notice.
Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 10/01/2026, the fixed rate for an 100% Hybrid Locked segment is as low as 9.24%. 100% LTV Home Equity products are available in Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000
Clayton HELOC Rates
As low as; Prime + 0.59%; Loan amount: $100,000; Includes Auto Pay from eligible checking account discount of 0.25%
- Oct 10, 20267.59%▼ from 7.79%
- Sep 30, 20267.79%first recorded
As low as; Prime + 0.59%; Loan assumptions and disclosures
- Oct 10, 20267.59%▼ from 7.79%
- Oct 6, 20267.79%first recorded
Variable Rate Information After Introductory; Rate based on The Wall Street Journal Prime Rate plus a margin that varies depending on the state in which property is located, individual credit qualifications, credit limit amount, loan to value ratio and other criteria. Rates shown are for first lien lines of credit of $100,000 secured by an owner occupied 1 to 4 family residence, in Illinois, with a loan-to-value (LTV) of 70% or less, and a FICO credit score of 780+, and includes a 0.25% Auto Pay discount. Rates vary from 7.69% APR to 15.06% APR depending on property state, loan amount and other variables. Your APR will never be lower than the floor rate in the credit agreement, or exceed 18.00% APR or the maximum APR permitted by law, whichever is less.
As low as; Fixed HELOC amount: $100,000; Your HELOC rates have been updated based on a TwentyYear-year term in Illinois.
As low as; Prime + 1.19%; Loan amount: $50,000; Includes Auto Pay from eligible checking account discount of 0.25%
- Oct 10, 20268.19%▼ from 8.39%
- Sep 30, 20268.39%first recorded
As low as; Prime + 1.19%; Loan assumptions and disclosures
- Oct 10, 20268.19%▼ from 8.39%
- Oct 6, 20268.39%first recorded
As low as; Fixed HELOC amount: $50,000; Your HELOC rates have been updated based on a TwentyYear-year term in Illinois.
As low as; Prime + 2.33%; Loan amount: $25,000; Includes Auto Pay from eligible checking account discount of 0.25%
- Oct 10, 20269.33%▼ from 9.53%
- Sep 30, 20269.53%first recorded
As low as; Prime + 2.33%; Loan assumptions and disclosures
- Oct 10, 20269.33%▼ from 9.53%
- Oct 6, 20269.53%first recorded
As low as; Fixed HELOC amount: $25,000; Your HELOC rates have been updated based on a TwentyYear-year term in Illinois.
Introductory rate for 6 months, then variable rate of 8.00%-9.00% APR after introductory period.
- Sep 27, 20265.24%▼ from 7.75%
- Sep 15, 20267.75%first recorded
Loan Amount: $10,000.00 - $350,000.00
- Oct 2, 20265.49%▲ from 5.24%
- Sep 29, 20265.24%first recorded
Quarterly Adjusted Rate**
- Oct 2, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Loan Amount: $10,000.00 - $350,000.00; As Low As
No additional details available.
Variable APR for as low as 6.00% APR* first 12 months then as low as 6.50% APR*. Promotional rate is for new loans only. 5.75% APR applies to properties with loan-to-value of 75% or less. The promotional rate of Prime minus 1% is for the first 12 monthly billing cycles and will reprice to Prime minus 0.50% for the remaining term. Promotional rate for properties with loan-to-value of 76%-85% is Prime minus .50% floating for first 12 monthly billing cycles, then reprices at Prime floating for the remaining term. Annual Percentage Rate (APR) will vary with Prime Rate as published in the Wall Street Journal. Proof of adequate property insurance is required. Payments based on 20-year amortization. Minimum payment will not fully repay the loan in 10 years, and your final payment will be a balloon payment. Minimum line of $10,000. Maximum APR of 20%. No closing costs; if appraisal is needed, appraisal is paid for by borrower. Offer is subject to credit approval. Offer subject to change without notice.
- Oct 7, 20266.00%▲ from 5.75%
- Sep 27, 20265.75%▼ from 6.50%
- Sep 19, 20266.50%▲ from 5.75%
- Sep 15, 20265.75%first recorded
Intro rate for first 6 months. Fixed rate and term options.
As Low As; HELOC rates may be variable.
Loan amount: $2,500 to $10,000
Introductory annual percentage rate ("APR") as low as 5.24% for the first year. Thereafter the APR varies, with a maximum APR of 18%. As of 10/01/2026, this variable Hybrid Home Equity Line of Credit APR would have been 6.24% APR for 70% LTV. Intro rate of 5.24% is for well-qualified borrowers at a maximum loan to value ratio ("LTV") of 70%. New loans only. Additional introductory rates and variable rate may be available for higher LTVs. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member's expense. Property must be a single family home and owner occupied. Property insurance will be required.
- Oct 2, 20266.24%▲ from 5.24%
- Sep 29, 20265.24%first recorded
Introductory annual percentage rate ("APR") as low as 5.24% for the first year. Thereafter the APR varies, with a maximum APR of 18%. As of 10/09/2026, this variable Hybrid Home Equity Line of Credit APR would have been 6.24% APR for 70% LTV. Intro rate of 5.24% is for well-qualified borrowers at a maximum loan to value ratio ("LTV") of 70%. New loans only. Additional introductory rates and variable rate may be available for higher LTVs. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member's expense. Property must be a single family home and owner occupied. Property insurance will be required.
- Oct 10, 20266.24%▲ from 5.49%
- Sep 30, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Loan-to-Value: 80%; Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details. Lowest qualified rate includes a deduction to rate with any two (2) of the following services with BNCCU: automatic payments thru BNSF payroll deduction, an account at BNCCU or outside FI, having previous loans paid off with BNCCU (with no delinquency over 30 days), LTV less than 80%, checking account with direct deposit in good standing or E-Statements with BNCCU (Maximum deduction of 0.50%).
As low as
As low as
- Oct 2, 20266.50%▲ from 6.25%
- Sep 22, 20266.25%first recorded
As low as; Level 1 APR* (730+)
As low as; Level 1 APR* (730+)
Term: 10-year draw, 90%CLTV; APR with checking & direct deposit
As Low As
Term: Fixed for five years 240 months; Introductory Rate*
Published rate range: 6.50%-12.00%.
- Oct 2, 20266.50%▲ from 6.25%
- Sep 14, 20266.25%first recorded
As low as 6.59% APR*
Introductory annual percentage rate ("APR") as low as 5.74% for the first year. Thereafter the APR varies, with a maximum APR of 18%. As of 10/01/2026, this variable Hybrid Home Equity Line of Credit APR would have been 6.74% APR for 80% LTV. Intro rate of 5.74% is for well-qualified borrowers at a maximum loan to value ratio ("LTV") of 80%. New loans only. Additional introductory rates and variable rate may be available for higher LTVs. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member's expense. Property must be a single family home and owner occupied. Property insurance will be required.
- Oct 2, 20266.74%▲ from 5.74%
- Sep 29, 20265.74%first recorded
Introductory annual percentage rate ("APR") as low as 5.74% for the first year. Thereafter the APR varies, with a maximum APR of 18%. As of 10/09/2026, this variable Hybrid Home Equity Line of Credit APR would have been 6.74% APR for 80% LTV. Intro rate of 5.74% is for well-qualified borrowers at a maximum loan to value ratio ("LTV") of 80%. New loans only. Additional introductory rates and variable rate may be available for higher LTVs. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member's expense. Property must be a single family home and owner occupied. Property insurance will be required.
- Oct 10, 20266.74%▲ from 5.74%
- Sep 22, 20265.74%first recorded
Annually Adjusted Rate
Term: 10-year draw, 90%CLTV; APR without checking & direct deposit
adjustable
As Low As
- Sep 18, 20266.75%▲ from 6.00%
- Sep 14, 20266.00%first recorded
As low as; Loan to Value: 80%
- Sep 27, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Term: 10 year advance period then a 10 year repayment period; Rate is variable. Home Equity Line of Credit rate is Prime plus 2.00%, with a floor such that the rate is never lower than of 4.00% with a maximum rate of 18.00% APR. Current "Prime" rate is 6.75% APR as of 03/17/26.
Loan Amount: $10,000.00 - $250,000.00
- Oct 2, 20266.99%▲ from 6.74%
- Sep 29, 20266.74%first recorded
The annual percentage rate may vary
As low as; Level 2 APR* (680-729)
- Oct 9, 20267.00%▲ from 6.50%
- Sep 22, 20266.50%▼ from 7.00%
- Sep 14, 20267.00%first recorded
As low as; Level 2 APR* (680-729)
- Oct 9, 20267.00%▲ from 6.50%
- Sep 22, 20266.50%▼ from 7.00%
- Sep 14, 20267.00%first recorded
As Low As
Variable
- Oct 2, 20267.00%▲ from 6.75%
- Sep 16, 20266.75%first recorded
No additional details available.
- Oct 9, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
No additional details available.
- Oct 2, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
No additional details available.
- Oct 2, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Term: 10 Years Revolving - 15 Years Repayment; As low as
- Sep 18, 20267.12%▲ from 6.87%
- Sep 15, 20266.87%first recorded
Loan amount: $10,001 to $25,000
Max Loan Amount: $500,000
- Oct 1, 20267.25%▲ from 7.00%
- Sep 30, 20267.00%first recorded
Term: 8 year draw period, 15 year repayment period; As Low As
SPECIAL 5.69% APR* INTRODUCTORY OFFER
As low as; Level 3 APR* (640-679)
- Oct 9, 20267.50%▲ from 6.50%
- Sep 22, 20266.50%▼ from 7.50%
- Sep 14, 20267.50%first recorded
As low as; Level 3 APR* (640-679)
- Oct 9, 20267.50%▲ from 6.50%
- Sep 22, 20266.50%▼ from 7.50%
- Sep 14, 20267.50%first recorded
Loan Amounts: $6,000 to $300,000 (7-year draw term); Maximum LTV: 80.00%
No additional details available.
- Sep 22, 20267.74%▲ from 7.49%
- Sep 14, 20267.49%first recorded
Introductory annual percentage rate ("APR") as low as 6.74% APR for the first year. Thereafter, the APR varies, with a maximum APR of 18%. As of 10/01/2026, this variable Hybrid Home Equity Line of Credit APR would have been 7.74% APR for 90% LTV. Intro rate of 6.74% is for well-qualified borrowers at a maximum loan to value ratio ("LTV") of 90%. New loans only. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member's expense. Property must be a single family home and owner occupied. Property insurance will be required. Line amounts range from $10,000 to $250,000.
- Oct 2, 20267.74%▲ from 6.74%
- Sep 29, 20266.74%first recorded
Introductory annual percentage rate ("APR") as low as 6.74% APR for the first year. Thereafter, the APR varies, with a maximum APR of 18%. As of 10/09/2026, this variable Hybrid Home Equity Line of Credit APR would have been 7.74% APR for 90% LTV. Intro rate of 6.74% is for well-qualified borrowers at a maximum loan to value ratio ("LTV") of 90%. New loans only. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member's expense. Property must be a single family home and owner occupied. Property insurance will be required. Line amounts range from $10,000 to $250,000.
- Oct 10, 20267.74%▲ from 6.99%
- Sep 30, 20266.99%▲ from 6.74%
- Sep 18, 20266.74%first recorded
Up to 80% LTV. Variable rate, subject to change quarterly. Maximum APR 20.04% (or maximum permitted by law). Credit limits $10,000 - $150,000. Available on single-family, owner-occupied homes in Jackson, Clay, Cass, Platte and Lafayette counties (MO) and Johnson and Wyandotte counties (KS).
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Clayton, Missouri Home Equity Snapshot
Local housing and income figures that shape how much equity Clayton, MO homeowners can borrow against. Source: U.S. Census Bureau & FHFA.
Equity and borrowable estimates are illustrative, based on a typical owner who has paid the original mortgage down to roughly 65% of current value and an 85% combined loan-to-value ceiling. Your actual figures depend on your remaining mortgage balance, credit profile, and lender underwriting.
How Much Can You Borrow in Clayton, Missouri?
Your borrowing limit on a home equity loan or HELOC is set by your combined loan-to-value ratio (CLTV), the total of your first mortgage plus the new loan, divided by your home's appraised value. Most lenders cap CLTV at 80 to 85%. Using the local median home value of $830,000, here is roughly what an 85% CLTV ceiling allows at three stages of mortgage payoff:
| Mortgage Stage | Still Owed | Equity Held | Est. You Could Borrow |
|---|---|---|---|
| Earlier in repayment | $581,000 | $249,000 | $124,500 |
| Roughly halfway through | $456,500 | $373,500 | $249,000 |
| Well into repayment | $332,000 | $498,000 | $373,500 |
The further along you are in paying down your first mortgage, the more equity sits available to borrow against. Lenders will also weigh your credit score, debt-to-income ratio, and income , the local median household income is $123,000, before issuing a final offer.
Illustrative estimates only, based on an 85% CLTV ceiling and the Census median home value for this area. Actual limits vary by lender (some allow up to 90% CLTV), by your home's appraised value, and by your credit profile. This is not a loan offer or a guarantee of approval.
Clayton, MO Home Equity Rate Trends
Compare local Clayton, MO home equity quotes against the statewide average
Daily HELOC and home equity loan averages tracked across our database of verified rate quotes, updated every evening.
Missouri HELOC rates rose 0.145 points over the past 7 days to 6.923%.
Missouri home equity loan rates fell 0.005 points over the past 7 days to 6.687%.
Missouri Home Equity Rate Forecast, Next 12 Months
Where are Missouri HELOC and home equity loan rates headed through October 2027?
HELOC trajectory based on prime rate path (prime = fed funds + 3.0%). Home equity loan trajectory based on Fed funds futures and 10-year Treasury path. Not financial advice.
What Forecast Rates Mean for Clayton, MO Borrowers
Monthly cost on $50,000 borrowed. HELOC shown as interest-only payment (typical during 10-year draw period). Home equity loan shown as fully amortizing principal & interest on a 15-year term.
| Scenario | HELOC Rate | HELOC Mo. Interest | HE Loan Rate | HE Loan Mo. P&I |
|---|---|---|---|---|
| Today (MO avg) | 6.923% | $288 | 6.687% | $441 |
| 6-Month Forecast | 6.923% | $288 | 6.687% | $441 |
| 12-Month Forecast | 6.673% (6.42, 6.87%) | $278 (-$10) | 6.287% (5.94, 6.59%) | $430 (-$11) |
Green (−) = lower monthly cost vs today. Red (+) = higher monthly cost. HELOC cost reflects variable-rate exposure: when prime drops, HELOC costs drop within one billing cycle. Locking a fixed home equity loan now insulates against further rate increases but forfeits the savings if rates fall.
How Home Equity Lending Works in Clayton, Missouri
Clayton, Missouri Equity Math
According to the U.S. Census Bureau, the median owner-occupied home value in Clayton, Missouri is approximately $830,000. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $332,000 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $207,500 via a HELOC or home equity loan, depending on credit profile and lender underwriting standards.
Home Equity Loan vs HELOC, Quick Comparison
| Feature | Home Equity Loan | HELOC |
|---|---|---|
| Rate Type | Fixed for life of loan | Variable (prime + margin) |
| Payout | Lump sum at closing | Draw as needed, up to limit |
| Term | 5-30 years | 10-yr draw + 20-yr repay (typical) |
| Payment | Fixed P&I from month one | Interest-only during draw (usually) |
| Closing Costs | Typically 2-5% of loan | Often $0 (promos common) |
| Best For | Specific large expense, payment certainty | Ongoing access, flexible borrowing |
Want a deeper breakdown? Read our full guide: Home Equity Loan vs HELOC, Key Differences, Pros and Cons
Home Equity Rules for Clayton, Missouri Borrowers
Clayton, Missouri homeowners borrow under Missouri law. Missouri does not add its own loan to value cap, fee cap, or waiting period for home equity loans and HELOCs, so federal rules set the baseline and lenders set their own limits. At the Clayton, Missouri median home value of $830,000, a lender's typical 80 percent combined loan to value limit works out to about $664,000 of total mortgage and home equity debt against the home. RSMo 408.036 bars any prepayment penalty on a note secured by residential real estate once the loan is paid off more than five years after origination, and within the first five years caps the penalty at 2 percent of the balance at the time of prepayment; business and corporate loans are excluded, and excess fees must be refunded on demand.
Read the full Missouri home equity rules, including foreclosure, deficiency, closing cost taxes, and who handles the closing.
Federal rules that apply to every home equity loan and HELOC
Home equity loans and HELOCs secured by your main home carry federal protections on top of anything your state adds. For a HELOC, the lender must give you the HELOC disclosure and the CFPB home equity brochure when you apply and cannot charge a nonrefundable fee until three business days later; the rate must follow a public index the lender does not control, and the lender can freeze or cut the line only for specific reasons such as a significant drop in the home's value or a material change in your finances. For both home equity loans and HELOCs you have until midnight of the third business day after closing to cancel for any reason and get your fees back. A loan is a high cost mortgage under HOEPA if its APR is more than 6.5 percentage points above the average prime offer rate for a first lien (8.5 points for a second lien) or if points and fees exceed 5 percent; high cost loans require counseling and cannot carry balloon payments or prepayment penalties. Since 2018, interest on a home equity loan or HELOC is deductible only if the money is used to buy, build, or substantially improve the home that secures it, and only within the $750,000 total acquisition debt cap. Flood insurance is required on any home equity loan or HELOC from a federally regulated lender if the home sits in a FEMA flood hazard area.
Sources
- Nolo: Missouri Foreclosure Laws and Process
- Connecticut OLR: State Mortgage Prepayment Penalty Laws
- DocJacket: Attorney States vs. Title States
- AmeriNote Exchange: Missouri Foreclosure Laws and Process Overview
- RSMo 408.036 Prepayment penalty by lender (Missouri Revisor of Statutes)
- CFPB: Right of rescission
- Regulation Z section 1026.40 (HELOC rules)
- Regulation Z section 1026.32 (HOEPA)
- Federal Register: 2026 Regulation Z threshold adjustments
- IRS Publication 936, Home Mortgage Interest Deduction
- FHFA 2026 conforming loan limits
- CFPB: Servicemembers Civil Relief Act
- 12 CFR Part 339 (flood insurance)
Clayton, Missouri Home Equity Loan Calculator
Estimate how much you could borrow against your home, and what the monthly payment on a fixed-rate home equity loan would look like. The home value below is prefilled with the local median from the U.S. Census Bureau — change it to your own home's value, and adjust any other field to see the numbers update.
1. How Much Can You Borrow?
2. Estimated Monthly Payment
Defaults to your estimated borrowing limit — edit to model a smaller loan.
Estimates only. Borrowing power assumes lenders allow up to the selected combined loan-to-value ratio; actual limits, rates, and approval depend on your credit profile, income, and the lender's underwriting. The payment figure is for a fixed-rate home equity loan with standard amortization — HELOC payments are typically interest-only during the draw period and vary with the prime rate, so they are not modeled here. This is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Clayton, Missouri home equity loan and HELOC rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners, including the iCanBuy home equity offers widget shown above. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Home Equity Rate Data: We aggregate home equity loan and HELOC rates for Clayton, Missouri directly from the official websites of local lenders, credit unions, and national institutions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home equity products in Clayton, Missouri. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national lenders accepting applications from Missouri borrowers.
Local-First Sorting: Rate tables on city pages list institutions with physical branches in the city first, followed by statewide institutions, then national lenders, regardless of APR. This intentional ordering helps homeowners find lenders they can walk into for an in-person closing, since home equity products often involve appraisal, notarization, and other steps that benefit from a local relationship.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update home equity rates daily. Because HELOC rates move with the prime rate and the broader market, every product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Home Equity Basics for Clayton, Missouri Homeowners
Home equity is the share of a property the owner truly owns: the home's current market value minus the balance still owed on the mortgage. For a Clayton, Missouri homeowner, it grows as the mortgage is paid down and as the property appreciates. Lenders let homeowners borrow against this equity, using the home as collateral, which is why home equity products generally carry lower rates than credit cards or unsecured personal loans.
Home Equity Loan vs. HELOC in Clayton, Missouri
A home equity loan advances a lump sum at a fixed rate, repaid in equal installments over a set term, useful for a one-time expense with a known cost. For example, Public Safety Credit Union is listing its Home Equity Loan at 5.49%. A home equity line of credit (HELOC) works more like a credit card: a revolving credit limit the borrower can draw from as needed during a draw period, usually at a variable rate. On the line-of-credit side, BMO Bank National Association is listing its Home Equity Variable rate HELOC at 7.59%. For Clayton, Missouri borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.
How Much Clayton, Missouri Homeowners Can Borrow
Most lenders allow borrowing up to a combined loan-to-value ratio of 80 to 85 percent, meaning the mortgage balance plus the new home equity debt cannot exceed that share of the home's value. For a Clayton, Missouri homeowner, the exact amount available also depends on credit score, income, and the lender's policies. Because the borrowing limit is tied to current value, an appraisal is typically part of the approval process.
How Clayton, Missouri Home Equity Rates Are Set
HELOC rates are usually variable and tied to the prime rate, so they move when the Federal Reserve changes short-term rates, while home equity loan rates are typically fixed and priced off longer-term benchmarks. On top of that market baseline, the rate a Clayton, Missouri borrower receives reflects credit score, combined loan-to-value ratio, and loan amount, so stronger credit and more equity generally earn a lower rate. A borrower’s final rate is set once an application is underwritten.
Risks for Clayton, Missouri Borrowers to Weigh
Because the home secures the debt, falling behind on payments can ultimately put the property at risk, so home equity borrowing is best reserved for purposes that preserve or build value, such as renovations or consolidating higher-rate debt. For Clayton, Missouri borrowers, variable-rate HELOCs also carry the risk that payments rise if rates climb, and some lines shift from interest-only payments to full repayment after the draw period ends. Understanding the repayment structure before borrowing helps avoid payment shock later.
Frequently Asked Questions about Home Equity & HELOC Rates in Clayton, Missouri
What is the difference between a home equity loan and a HELOC in Missouri?
How much equity do I need to qualify for a HELOC or home equity loan?
What credit score do I need for a home equity loan in Missouri?
Are HELOC interest payments tax-deductible?
What is the current prime rate and how does it affect my HELOC?
What is a HELOC draw period?
Can I use a home equity loan or HELOC for debt consolidation?
Are there closing costs on a home equity loan or HELOC?
Should I get a HELOC or a home equity loan?
Can I refinance my HELOC into a fixed-rate home equity loan in Missouri?
How do I compare home equity and HELOC lenders in Clayton, Missouri?
How do I get home equity loan and HELOC quotes in Clayton, Missouri?
How much equity could a homeowner in Clayton, Missouri have?
What is a typical home equity loan amount in Clayton, Missouri?
Can households in Clayton, Missouri afford a home equity loan payment?
How do property taxes in Clayton, Missouri affect home equity borrowing?
What percentage of homeowners in Clayton, Missouri have a mortgage they could tap for equity?
Does Missouri have special rules for home equity loans and HELOCs?
Can I cancel a home equity loan or HELOC after closing in Missouri?
Can a Missouri lender charge a prepayment penalty on a home equity loan?
What are the best home equity rates in Clayton, Missouri?
- BMO Bank National Association: 7.59% (Home Equity Variable rate HELOC)
- First Interstate Bank: 5.24% (Home Equity HELOC Special Offer)
- UNIFY Financial Federal Credit Union: 5.49% (Home Equity Variable (70% LTV))
- First Missouri Credit Union: 5.49% (Home Equity Line of Credit (Owner-Occupied) - Quarterly Adjusted Rate)
- Public Safety Credit Union: 5.49% (Home Equity Loan)
Clayton, Missouri Rates & Resources
