Farmers Bank of Kansas City lets you browse rates and apply online, but branches are Kansas-only. Get discounts by using the bank’s partner real estate network. Displays customized rates, with fee ...

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Achieve's HELOC has flexible terms and an unusual fixed rate, but the draw period is shorter than other lenders'. Sample HELOC rates are posted online. Fixed interest rates make payments predictable.

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Doretha Clemons, Ph.D., MBA, PMP, has been a corporate IT executive and professor for 34 ...