Home Equity Lines of Credit
Put your home equity to work for you
Tap into the equity you've stored up in your home
You've built up a lot of equity in your home over the years. With a home equity line of credit, or HELOC, you can unlock that value and use it in a variety of ways.
Competitive rates
Qualify for a low rate when you take equity out of your home.
Flexible payments
We'll work together to find a payment option that's ideal for you.
Overdraft protection
Use your equity line as overdraft protection on First Citizens accounts.
Take advantage of lower interest on a home equity line of credit
Rates as low as
5.99%APRD
12 months fixed when LTV is 80% or less
Get quick, easy access to the funds you need
For a backyard pool
For home renovations
For a rainy day
Open a home equity line of credit
You've worked hard for your home. Now put that equity to work to achieve your goals.
HELOC payoff schedule calculator
Determine the HELOC that fits your needs
Use this calculator to get a detailed payoff schedule for the HELOC that's right for you.
How to get started
If you're unsure how to apply for a home equity line of credit, don't worry. First Citizens is here to guide you and make each step as simple as possible.
Submit your application
The first step toward opening a HELOC is starting a conversation with one of our expert bankers and submitting an application for pre-approval.
Underwriting and appraisal
Once you've submitted your application, we'll work with you to gather and review important documents. This can include a credit report, personal financial information and home appraisal.
Get final approval
In this phase, an underwriter reviews all documentation to complete final approval. Your banker will communicate final approval to you.
Prepare for closing
Before closing, we'll contact you to discuss and review your HELOC approval. You'll review disclosures, discuss expected fees, provide any additional documentation needed and verify the closing date.
Closing and funding options
Finally, you'll sign documents to officially open your HELOC. You can fund your line at closing or any time after closing by transferring funds online, using special EquityLine Checks or using the EquityLine Visa® card.
You may also choose to lock in a fixed interest rate for a portion (or all) of the variable balance at or after closing.