Home Equity Line of Credit

A loan that works as hard as you do.
As low as 2.99% APR* for the first 12 months and as low as 4.25% APR* after
  • No closing costs
  • Combined mortgages and HELOC not to exceed 80% of home value
  • 10-year draw period with monthly interest-only payments
  • Outstanding balance will be paid off over 15 years

Take advantage of low rates

Homeowners, the equity in your house can help pay for just about any major purchase you can dream of—like a home remodel, new landscaping, or even a pool.

Your line of credit is reusable, meaning you can access it again and again as you make payments during the draw period. With a line of credit, you’ll have funds available to you whenever you need them – and for whatever you choose.

Not ready to apply? Fill out this form to receive additional information.

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*The Annual Percentage Rate (APR) is a variable rate based upon an index and a margin. The APR will vary with the Prime Rate (the index) as published in the Wall Street Journal. The variable rate APR will range from Prime + 0% to Prime + .425%, depending on the applicant’s credit score. This variable rate is based on auto-debit of payments from a First Bank checking account. If not auto-debiting payments from a First Bank checking account, add .75% to the rate. The APR may increase or decrease but will not exceed 18% nor will fall below 4.25% except during the 12 month promotional period. During the promotional period the rate will be based on applicant’s credit score with either Prime - 0.26% or Prime + 0.34% and both promotional rates requires auto-debit of payments from a First Bank checking account. As of March 3, 2021, the APR ranges from 4.25% to 4.425% and the promotional rate is 2.99% or 3.59%. Rates are subject to change. Maximum loan to value may vary between 70%-80%. Offer available for applications accepted Mar. 1, 2021 - May 31,2021. Maximum credit line is $500,000 and there are no closing costs for standard documentation.