Choice Home Equity Line of Credit: Fixed Rate Lock

Transfer all or any part of your variable-rate balance of $5,000 or more to a fixed interest rate[1].


What is a Fixed Rate Lock?

A fixed rate lock gives you the flexibility to lock in a specific rate and provides a consistent monthly payment for all or a portion of your line of credit balance. Transfer all or any part of your variable-rate balance of $5,000 or more to a fixed interest rate and do it online.[1]

Check out the below video for more information on PNC's Fixed Rate Lock Feature.

Video: Fixed Rate Lock

The property securing the Choice HELOC must be located in a state where PNC offers home equity products. PNC does not offer the CHELOC product in Alaska, Hawaii, Louisiana, Mississippi, Nevada and South Dakota.

What Are the Benefits of the Fixed Rate Lock Feature?

Enjoy a rate that won't change

Lock in a fixed rate on all or part of your variable-rate balance during the draw period

Rely on a consistent monthly payment

You pay a fee every time you lock or unlock your interest rate. No surprises.

Where Can I Benefit from a Fixed Rate Lock?

Home Improvement Projects

Lock in a competitive rate to help you add value to your home with projects such as:

  • Kitchen remodeling
  • Adding a deck
  • Making your home more energy-efficient

Debt Consolidation

Your home's equity could be used to lower your monthly payments for loans such as:

  • Student loans
  • Medical bills
  • Credit card debt

How Can I Lock in a Fixed Rate?


Log in to your PNC online banking account


Navigate to your Home Equity Line of Credit and select Fixed Rate Balance Management


Enter the amount you wish to transfer*, and select your repayment plan.


Sign your electronic request document. You will receive confirmation within three (3) business days.

*Transfer minimum: $5,000

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Learn about the additional benefits of a Choice HELOC and start your application.

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