Take Advantage Of Your Home Equity

There’s so much you can do with a Home Equity Loan or Line of Credit*.
Use the equity in your home to pay for more than just projects around the house.

Consolidate debt
Pay for education
Buy a new car
Take a vacation

 

Our home equity lines support your financial needs with flexible payment options. And, if you prefer a fixed monthly payment and term - we offer a fixed rate loan option.

Plus, with an easy application process, either option is a great solution to pay for the things you need, when you need them.

We Can Help You Determine
Which Option Is Right For You

Apply online or in person at one of our convenient banking centers

Home Equity Line of Credit (HELOC) - Use equity in your home to set up an equity line checking account with a variable rate and interest-only payments. You decide when and how to use your money.*

Home Equity Term Loan - As an alternative to our variable rate lines of credit, we also offer fixed rate loans with fixed payments and terms up to 20 years. Please visit your local banking center or apply online below.*

*All loans subject to credit approval. The applicable interest rate is based on loan-to-value (LTV), credit score, and term. The applicable interest rate for home equity lines of credit is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate, but will never go below 2.99% Annual Percentage Rate (APR). Home equity term loans are assessed a one-time $150 application fee at origination. Rates and program  as of 03/23/17 and are subject to change without notice.   

 

Need assistance paying your loan? Please email CCDEarlyAssistance@bankatfirst.com for help

 

Home Equity Term Loan

  • Fixed rate
  • Fixed payment
  • Single advance loan amounts available between $5,000 - $500,000
  • Online banking access
  • $150 application fee
  • Closing-costs may be waived***
  • Interest may be tax deductible****

Home Equity Line of Credit

  • Variable rate
  • APR as low as 2.99%**
  • Loan amounts available between $5,000 - $500,000
  • Online banking access
  • Convenient check writing access
  • No closing costs
  • Annual fee waived for first year*
  • Interest may be tax deductible****

*Home Equity Line of Credit is subject to $50 annual fee after first 12 months account is open.

**All loans subject to credit approval. The applicable interest rate is based on loan-to-value (LTV), credit score, and term. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate, but APR will never go below 2.99%. Rates and program are subject to change without notice.

***No closing cost option available on non-purchase money transactions only.

****Consult a tax adviser.

Mortgage Loan Solutions

Our mortgage loan officers work side-by-side with you to evaluate your financing options, answer your questions and guide you through the process as you make this important home-buying decision. Let First Financial help find the right loan for you.

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Credit Cards

Experience the financial freedom of purchasing all the things you need with a Visa® credit card from First Financial Bank. Let us know how you'd like to use your card and we'll be happy to set up an account that's best for you. Subject to credit approval.

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Personal Checking

Save time and money with our flexible spending accounts. All of our personal accounts include unlimited check writing, free ATM transactions within our network, free Visa® check card, and free online banking and bill payment.

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