Masterline, the Home Equity Line of Credit from West Suburban Bank has one advantage that makes it a more powerful credit tool. Customers can set aside part of this credit line for a fixed-rate installment loan, like a car loan. The Home Equity Line of Credit rates are available on the banks website. All loans are subject to credit approval and property insurance is required. A $50 annual fee is imposed after the first year. For balances below $100,000 a $300 early cancellation fee will apply if the line is closed within the first three years. For balances above $100,000, the early cancellation fee is $450.