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H&R Block Bank

H&R Block Bank offers a variety of loans to meet your needs.

Residential Mortgage Loans
No matter how unique your situation, we can help find a solution that is best for you!

Adjustable Rate Mortgages
We offer a variety of competitive adjustable-rate mortgage loans. Several programs are available with low or no out-of-pocket expenses. Lower your down payment on the purchase of a home or maximize the equity in your current home with our 90% loan-to-value mortgage. Enjoy the flexibility of managing your money with no escrow requirements for property taxes or homeowner's insurance and without the additional cost of Private Mortgage Insurance. You may choose from several rate-adjustment periods ranging from 1, 3, 5, 7 and even 10 years.
Home Equity Loans
Make the most of your home's equity with a Block Home Equity Loan. Choose from a revolving line of credit or a single advance. You can get an H&R Block Bank Home Equity Loan no matter where you have your first mortgage. Borrow against the equity in your home to consolidate debt, buy a new car, pay for college tuition or almost anything else — it's your decision. You'll enjoy a low rate, the interest is usually tax deductible*, and your loan always stays with us. Access your funds conveniently by simply writing a check.
Fixed Rate Mortgages
A fixed rate mortgage guarantees the interest rate will remain the same over the life of the loan. This offers you the security of knowing the principal and interest portion of your monthly payment will not change.

Consumer Loans
Whether you need a vacation, have an unexpected expense or need to consolidate bills, we can help. H&R Block Bank offers consumer loan products designed to help you weather life's changes and demands.

Lines of Credit and Other Consumer Loans
Add a Personal Line of Credit to your H&R Block Bank checking account so you are ready to take advantage of a great opportunity or cover an emergency. You can use your line all at once or a little at a time, paying interest only on the money you use. Other forms of secured and unsecured consumer credit products are also available.
Certificate of Deposit Loans
Need a vacation but don't want to use your credit card? Want to consolidate some of your bills without paying high interest rates? Get a fixed rate and term loan secured by your H&R Block Bank Certificate of Deposit.

* Consult your tax advisor

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H&R Block Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. NOW Accounts with interest rates above 0.25% for any balance level are not included in this program.

The products and services on this website may be covered by one or more of the following U.S. Patents: 5,706,442; 6,014,645; 6,131,115; 7,010,507;
7,032,008; 7,072,862; 7,127,425; 7,177,829; 7,310,617; 7,296,065. The products and services on this website may be covered by one or more of these patents.