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 amount, 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.  The interest rate will not exceed 25%.


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


Home Equity Line of Credit*

  • Competitive variable rate with fixed rate lock option**
  • Access your available credit when you need it
  • Interest only payments during the Draw Period***
  • No closing costs****

Home Equity Installment Loan*

  • Fixed rate
  • Receive loan proceeds in a lump sum
  • Fixed monthly payments (principal and interest)
  • No closing cost option****

*All loans subject to credit review and approval.

** Rates and terms vary depending on occupancy, loan-to-value, property type, credit score, and debt-to-income. $50 annual fee after first anniversary. The applicable interest rate is based on loan amount, 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. The interest rate will not exceed 25%. For a fee of $75, borrowers may lock all or a portion of the outstanding balance for a fixed term at a fixed rate.

***Home Equity Lines of Credit have a Draw Period and Repayment Period. During the Draw Period, the minimum monthly payment is interest only. At the end of the Draw Period, the Repayment Period begins. During the Repayment Period, the principal balance, excluding previously locked amounts, is amortized over a period of 15 years, which may increase the monthly payment previously due.

****No closing costs on Home Equity Lines of Credit on owner occupied primary residences or second homes. Borrowers pay closing costs, including, but not limited to, third party expenses related to government filing fees and vendor services for flood, title and appraisal reports. The “no closing cost option” on Home Equity Installment Loans will increase the interest rate.


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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