Home Improvement Loans

Fast access to funds for your remodel project

A quick and easy application process to remodel without using your home as collateral.
Learn more about home improvement loans
Credit Cards

Now it's even easier to earn more

More cash back. More rewards. More travel experiences. With our newly improved credit cards, the choice is yours.
Learn more about our credit cards
Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Seamlessly move your money

Set alerts for transactions

Learn more about digital banking
Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Digital Banking

Bank from anywhere with your mobile devices

Seamlessly move your money

Digital Banking

Bank from anywhere with your mobile devices

Set alerts for transactions

Learn more about digital banking

Bank on Customer Service
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Our Forever First Promise

Forever First® means the name on our door will stay the same for years to come.

Forever Stable

Taking care of customers—year in, year out—isn't just our track record. It's our promise.

Forever Family

We're one of America's largest family-controlled banks, led for three generations by members of one family.

Learn more about First Citizens

Insights
A few financial insights for your life

Home

Comparing Loans for Home Improvement

Learn the pros and cons of six popular types of loans for home improvement projects.
When it comes to financing home renovations, you have many options to choose from—each with its own pros and cons.
Home

How Do Home Construction Loans Work?

Home construction loans are quite different from standard mortgages. Here's how.
Unlike a mortgage, a construction loan acts more like a short-term line of credit.
Retirement

Ages and Stages of Saving for Retirement

Your approach to saving for retirement may shift over time as your life changes.
Starting early on retirement savings can help you form financial discipline that will last throughout your working days.

This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

This EquityLine account has a promotional APR of 5.99% fixed for 12 months when LTV is 80% or below. A promotional APR of 6.49% fixed for 12 months is applied when LTV is greater than 80%. No action is needed by the customer to activate a promotional rate and all balances on the account will receive this rate for the promotional period. After 12 months, the account will turn to the variable rate specified in your EquityLine agreement and may change at any time. APR is based on the highest Prime Rate published in the Money Rates table of The Wall Street Journal on the last business day of the previous calendar month. The current Prime Rate, as of December 1, 2024, is 7.75%. The APR is variable and may change at any time. Maximum APR is 18.00%. Minimum APR is 3.99%.

EquityLine will have a 10-year draw period at the variable rate specified in your loan agreement followed by a 15-year repayment period with a fixed rate determined prior to the end-of-draw term as specified in your loan agreement. Closing costs are generally between $150 and $1,500 but will vary depending on loan amount and on the state in which the property is located. First Citizens Bank may choose to advance certain closing costs on your behalf.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941