Home Equity Line of Credit

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Spring Home Equity Line of Credit Special

6-month intro rate as low as 5.05% APR and we'll pay your processing fees - up to $400!*

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Fast Online Application. Quick Decisions.

What is a HELOC?

A home equity line of credit, or HELOC, is a line of credit secured by your home that gives you a revolving credit line to use for a variety of purposes, including home improvements, education, and the consolidation of high-interest credit card debt.

Imagine the possibilities! Ideas for Putting Your Home Equity Line of Credit to Work for You

As you repay your outstanding balance, the amount of available credit is replenished - similar to a credit card. So, you can borrow against it again if needed. You can borrow as little or as much as you need throughout your draw period... up to the credit limit you establish at closing. At the end of the draw period, the repayment period begins.

Get Started

Apply online. If you're ready to apply for a home equity line of credit, click on the "Apply Online" button above to complete the quick application.

Alternatively, apply in-person. If you prefer, you can still stop by any of our bank locations, and we would be glad to assist you with your application.

Contact us. Don't hesitate to contact one of our experienced home equity specialists featured below at any time before or during the application process. Or you can submit your inquiry using the "Contact Us" button.

Apply Today!

Home Equity Line of Credit

Variable-rate or fixed-rate financing.
Funds available when you need them.
Repayment based on amount of credit line outstanding.
Up to 90% combined loan-to-value financing available.
Interest may be tax deductible.
Easy access to your HELOC Funds (transfer via online or mobile banking to your checking account, stop by the bank to request a transfer, or call customer service and request a transfer).
Serves as overdraft protection.
Property insurance is required.

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*Your approval rate and credit limit will be based upon your creditworthiness and property value. The maximum amount of total loans with us, and others, including this request, may not exceed 90% of your property’s value. You will be required to maintain property insurance. Consult a tax advisor regarding potential deductibility of interest. Variable rate lines are available with a 15-year term, with rates ranging from 7.50% APR to 8.25% APR (based upon the Prime Rate as the index as published in the Wall Street Journal plus a margin) as of March 17, 2025, and is subject to change without notice. These rates may change due to an increase or decrease in the Prime Rate, however will never be less than 4.00% APR, or more than 21.00% APR. Applies to owner-occupied residential real estate only. The 6-month introductory fixed rate (80% LTV or less = 5.05% APR, and 81% to 90% LTV = 6.05% APR) is applicable for 15-year variable rate HELOC products only. This promotional offer is available for new applications submitted from April 1, 2025, through June 30, 2025.
Processing fees include: flood report, title search, credit report, mortgage release fee, origination fee and recording fees; First National Bank will pay up to $400 toward these costs. The borrower will be responsible for evaluation or appraisal fees (if required), which range from $175-$550. No application, annual, or non-use fees associated with this product.