Tap into your home's equity for home improvement, loan consolidation, college tuition-whatever you need.

A First City Home Equity Line of Credit (HELOC) is a smart way for homeowners to utilize equity. The rates are usually lower than credit cards or consumer loans, and in most cases, your interest is tax deductible (consult your tax advisor).  Plus, it's nice to know your line of credit is available for emergencies or other unexpected expenses.


Term Introductory Rate Index/Margin
10-year Draw Period with 15-year repayment* 1.990% APR* Prime + 0
Access your home equity line of credit funds by:
  • Check
  • Account transfer
  • First City Equity Line Visa Card


For more information, current rates, and an application, call 800-944-2200, ext. 5.

*APR= Annual Percentage Rate. A Home Equity Line of Credit is a revolving line of credit, secured by your home. 1-4 unit, owner occupied primary residences only. Credit approval required.  Rate quoted for borrowers with good to excellent credit.  Rates subject to change.  HELOC disclosure

NMLS #649182

Mortgage Hardship Assistance

  • EHL
  • NCUA
  • Digital Insight