Home Equity Lines of Credit

Before you drain your emergency fund, consider using the equity you've built in your home as a line of credit. Draw funds as you need them, and reuse without having to reapply. And you only need to pay interest on what you use.

A home equity line of credit can be used to finance a number of expenses, from home improvement to debt consolidation to higher education. Talk to a First Citizens banker for more details.

Summary
  • Use your home's equity as a line of credit
  • Draw what you need, when you need it
  • Make payment, then reuse without having to reapply
  • Competitive, variable rates
  • Lower than credit cards
  • Pay interest only on what you use
  • Interest may be tax-deductible*
  • Several convenient ways to access funds
  • Check
  • ATM
  • On-line transfer to your checking
  • In-house processing for efficiency
  • Attentive, local service

*Consult your tax advisor.

You may also be interested in:

e-Statements

Less paper, more secure.

Learn More

Investment Management

Customized investment decisions based on your goals.

Learn More