With this feature, you get the flexibility of a home equity line of credit and the fixed-interest rates of a home equity loan when you utilize SmartLock.

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A Flexible Loan, Now with Fixed Interest Rates

Using the SmartLock feature on your loan, you can convert a portion of your line of credit balance into fixed rate loans. This allows you to take advantage of lower interest rates when you know exactly how much you'll need to take out, while still giving you all the flexibility of a home equity line of credit.

The Flexibility of a Home Equity Line of Credit

With SmartLock, you never lose the flexibility in your HELOC. Once you've locked a portion of your loan, you can still use the rest of your available credit at any time and on anything you need.

The Stability of a Home Equity Loan

With SmartLock, a portion of your line of credit will have the stability of a loan. That means you'll lock in a low interest rate, know your monthly payments in advance, and have the ability to set up an automatic payment through your Colorado State Bank and Trust checking account.

Lower Your Payments

Using SmartLock can help you consolidate debt and lower your monthly payments. See below for an example of how this could work for you.

Type of Credit


Average APR**

Approximate Monthly Payment

Credit Card Debt




Auto Loan




Swimming Pool








With SmartLock




Payments Reduced By $530/mo

How it Works

Use your home equity line of credit to buy a new car, the pool you’ve always dreamed of, pay college tuition, or almost anything else you need. After you've made an advance from your line of credit, use SmartLock to lock those balances into separate fixed rate loans. Or, for even more savings, you can bundle several advances together at one low rate. Then, you can continue to borrow from the remaining portion whenever you need.

Apply Online

The application is available online and takes less than 20 minutes to complete, and may be approved online.

After your application is completed, a Relationship Banker will contact you to introduce themselves and to answer any questions you may have. Your Relationship Banker is a mortgage expert and will provide help and guidance along the way.

If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan.

Related Information

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Find up-to-date interest rate information on all our loans.

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