YourChoice Line of Credit

A First Citizens YourChoice Home Equity Line of Credit allows you to borrow what you need, when you need it. Choose when to use it, and when to lock in a rate to protect yourself in a rising-rate environment. It's flexible, easy to use, and there's never a need to reapply.



  • Funds can be used to satisfy whatever expense customers may have such as home improvements, college education, vacation, debt consolidation, automobile purchase or even that vacation home at the lake.
  • No pre-payment penalties

Competitive Low Rates…

  • Variable rate line of credit with an option to convert any balance to a fixed-rate loan and still have access to the remaining line of credit - as you pay the fixed-rate portion down, the available line increases
  • Usually lower than credit card or department store cards


  • Funds can be accessed by check, ATM, on-line transfer to your FCCB checking, or by overdraft protection on a FCCB checking account.
  • Can have up to 3 fixed-rate locks at one time
  • Only one payment

Possible income tax benefits… Interest may be tax deductible.*

*Consult your tax advisor.