Loans

Home Equity Line of Credit For a Home Equity Line of Credit, the annual percentage rate (APR) is a variable rate based on The Wall Street Journal® Prime Rate (7.00% on 09/17/2026) 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. Please consult a banker for pricing in your region. 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. To receive a 0.25% Auto Pay rate discount you must authorize BMO at origination to withdraw your home equity line of credit payment each month from an eligible BMO checking account (Auto Pay). The discount can only be applied to a new Home Equity Line of Credit.

The actual rate and payment amount may vary and is determined by the product, term, loan amount and your credit qualifications. As an example, if you were to borrow $25,000 secured by a vehicle title for 72 months at the rate of 10.00% APR, your monthly payment would be $463.15. If you pay off your loan in full within the first 18 months, we may charge an early payoff fee of $150, where permitted by law. This fee does not apply if your loan term is 18 months or less.

Personal Loan Personal loan : As of September 14, 2026 the fixed Annual Percentage Rate (APR) ranged from 9.24% APR to 24.99% APR, and varies based on credit score, loan amount, purpose, term and automatic payment selection. The minimum loan amount is $1,000 and loan terms range from 12 to 84 months (up to 60 months for non-clients). The lowest APR in the range is available on loans of $10,000 or more with a term of 12–36 months, a credit score of 800 or greater, the purpose of home improvement and includes a discount for automatic payments from a U.S. Bank personal checking or savings account. Automatic payments and U.S. Bank personal checking or savings accounts are not required for loan approval. Electronic funding to a non-U.S. Bank account requires verification and can take one to four business days. Not all loan programs are available in all states. The Consumer Pricing Information disclosure lists fees, terms, and conditions that apply to U.S. Bank personal checking and savings accounts. This disclosure can be obtained by visiting a U.S. Bank branch or calling 800-872-2657 . Loan payment example: Monthly payments for a $10,000 loan at 12.60% APR with a term of 36 months would be $335.02. Maximum loan amounts may vary by credit score. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.