Vacation. Renovation. Consolidation.
A Bank OZK Home Equity Line of Credit (HELOC) gives you the flexibility to use your home’s equity for what matters most — whether you’re planning a major purchase, covering special events, making home improvements, or consolidating debt.

✅ 12-Month Introductory Fixed Rate: 5.49% APR
✅ Variable Rate After Intro Period: 7.25% APR

Have questions? We’re here to help. Reach out today!
Nhayiry D. Rionda
Vice-President / Business Development Officer
📞 305-702-6830
📧 nhayiry.rionda@ozk.com

Bank OZK — Greater awaits.

Introductory Fixed Annual Percentage Rate (APR) of 5.49% is effective as of 12/17/2025 for 12 months. It is not based on an index and/or margin. After the introductory period, the rate will adjust to the current variable rate offered and will reset monthly over the life of the line. As of 12/17/2025, a reasonable current APR from the previous 30 days is 7.25%, which is calculated from the Wall Street Journal Prime Rate plus a margin. Margins can vary based upon product parameters and eligibility criteria. The APR will not increase over 16.00% or go below 4.00%.

Offer is subject to credit review and approval. Offer subject to change without notice. For personal, family or household purposes only. Offer is only available for the 120/240-month HELOC product. Rate/term refinances of existing Bank OZK HELOCs with an introductory promotion rate originate within the last three years are ineligible. Must pay certain fees to third parties, such as appraisals, credit reporting, firms and government agencies. The bank will provide an itemized list of the third-party fees upon request. The borrower must have property insurance. Offer only available in Arkansas, Florida, Georgia, North Carolina and Tennessee.

For more information, please visit: www.doralchamber.org