Tier One Bank's Home Equity Loans can be used to make home improvements, buy a new car, pay college tuition or take a vacation with low interest home equity rates. These include Smart Equity Line of Credit and Fixed-Term Equity Loan. Customers can access their line quickly and conveniently with their Smart Equity Checks or via Internet banking. The bank lets customers borrow against their credit line without making a trip to the bank. Customers can access their account as many times as they need and as soon as any amount is repaid, it's immediately available for them to use again. The banks Fixed-Term Equity Loan is for those customers who prefer the certainty of a fixed rate and a fixed term. With this closed-end equity loan, customers can have a fixed monthly payment to make budgeting easier.