The U.S. Bank is a home equity line of credit from U.S. Bank. The annual fee is $75 after first year; waived with U.S. Bank Platinum Checking Package. The ongoing APR is variable, 6.20% to 11.10% as of September 17, 2026 (Prime-based); cap 18% APR, floor 3.25% APR. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.