Home Equity Line of Credit

When you want access to extra funds just in case something unexpected pops up, consider a home equity line of credit. Like a home equity loan, it features the same competitive rates and terms, without points or pre-payment penalties.

Why get a Home Equity Line of Credit?

  • Competitive rates based on Wall Street Prime Rate
  • Introductory rate of 3.99% APR** for the first 12 months (after intro rate expires, rate will be based on current Prime Rate)
  • Access to your funds via online banking or in-person just like a traditional line of credit
  • Flexible 5-year draw period with varying pay back periods (10, 15, or 20 years) depending on the loan amount
  • Potential tax advantages (consult your tax advisor)
  • Credit lines from $10,000 to $100,000.

Contact us to get an estimate of the equity in your home today.

Apply Now

The reviews are in.

1st Financial has always been there for us, giving us the very best rates on car loans and on our Home Equity Line of Credit!

– Penny W.

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators (MLO) and their employing institutions to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each MLO is provided a unique identifier from the NMLS. Below is a list of the MLO’s employed by 1st Financial Federal Credit Union Credit Union (NMLS ID # 408163).

View Our NMLS List

For more information about the registry, please visit the NMLS.

View our full Home Equity Disclosure

For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, race and sex) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. 

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