upgrade without uprooting

Your goals, your timeline. With a Home Equity Line of Credit, you borrow only what you need, when you need it. Enjoy interest-only payments, no closing costs, and the freedom to fund life your way.1

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Today's rate

Home Equity Line of Credit

Promotional rates as low as

 APR*

Details & Disclosure

Your home's equity is a powerful tool

As you make your mortgage payment every month, your equity increases. If the value of your home goes up due to the real estate market, your equity also increases. You can use the equity in your home to fund a variety of improvements—not just around the house. Use a home equity loan (HELoan) or home equity line of credit (HELOC) to:

Consolidate debt

Remodel your home

Pay for school

You are only limited by your imagination

Get your promotional rate today!

Limited time only: HELOC rates start at 4.99% for the first 6 months1 

  • Interest-only payments on what you borrow for the first 10 years1
  • Borrow money when you need it, up to your credit limit1
  • Quick approvals and easy access to funds
  • No application fees, origination fees, or closing costs2
  • No annual fee for select First Financial checking accounts2
Apply now Compare equity options

How do I calculate my home's equity?

Use our HELOC calculators to understand your home's equity

You have questions, we have answers and helpful tips. You'll need to know your home's equity to estimate your line of credit before an appraisal.

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Frequently asked questions

To get the promo rate, apply before December 31, 2026.1, 2

We always encourage our clients to do their research before making a financial decision, but this rate will only be around for a limited time, so don’t take too long. Our six-month promotional rate goes away December 31, 2026.1

Before submitting your application, feel free to give us a call or make an appointment to talk with a loan officer if you have questions.

We pride ourselves on making things as easy as possible. We suggest getting your paperwork organized before starting the application.

  • You'll need your Social Security information, income history, and mortgage documentation.
  • Once you're ready, you can apply today to lock in your rate.
  • After you apply a HELOC specialist will contact you to verify your information and help you with the next steps.
  • After an initial lending decision is made, it’s time for an appraisal to be scheduled.
  • Following the appraisal, you’ll be able to sign the final documentation and start using your HELOC.

1 APR = Annual Percentage Rate. Introductory rates start at 4.99% for the first 6 months and are available for owner-occupied primary residences and second homes only; bridge loans are excluded. $10,000 minimum loan amount or $10,000 increase to existing line required. Must apply by December 31, 2026, for introductory rate. As of March 13, 2026, nonintroductory rates range from 7.00% to 10.45% APR. All loans subject to credit review and approval and rates are subject to change without notice.

2 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. $75 annual fee after first anniversary. 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 18%. For a fee of $100, 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 application fees or closing costs offer is available for owner-occupied primary residences and second homes only; bridge loans are excluded. There is an origination fee of $1,250 on non-owner occupied properties. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.