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Looking to remodel or just need extra cash?

Get a HELOC today!

Home equity loans and lines of credit are a great way for homeowners to finance their home renovation, consolidate debt or get extra cash using their home as collateral. We offer a variety of home equity options, so you can choose which is right for you.

  • Customers who sign up for auto-deduct from a First account receive a .25% discount on the interest rate
  • No closing costs on home equity lines of credit.*
  • Earn points towards great rewards with our HELOC debit card1

Standard Home Equity Line of Credit

A revolving line of credit where interest rate can change during the life of the loan or line of credit, meaning payments may fluctuate.

Apply

Interest Only Home Equity Line of Credit

A revolving line of credit that allows you to make payments on the interest only during the term of the loan. This could result in a balloon payment at loan maturity. The interest rate can change during the life of your loan or line of credit, meaning payments may fluctuate.

Apply

Fixed Rate Home
Equity loan

A traditional installment loan in which the interest rate will remain the same during the term of the loan. Borrow what you need and receive a one-time cash payout at closing. Then you make regular payments during the fixed repayment period. Maximum closing cost of $299.

Apply

Get $75,000
in as little as 7 days.

Are you a homeowner with a 700+ credit score? You may qualify for our Fast Track Home Equity line of credit.

Learn more

Why pick First Financial Bank for your equity line?

We are committed to asking the right questions, staying within your financial comfort zone and communicating clearly. Depend on us for:
  • A dedicated team — Our loan experts work for you so there’s always someone in your corner.
  • Frequent updates — We’ll check in with you along the way to let you know how your loan is progressing.
  • Quick & easy process – Apply online in minutes. Our home equity lines of credit come with a HELOC debit card to make purchases more convenient.

We make banking fast, simple and secure.

Home Equity Line of Credit. (HELOC) debit card

Want a personal touch while applying?

If you don’t want to fill out a form online feel free to reach out directly by visiting a banking center, dropping us an email or call us at (800) 511-0045.

Need help with refinancing?

We offer refinancing options and new mortgages to help you get the most out of your home and your dollar.

Learn more

Loans are subject to credit approval.

First Financial will waive closing costs for originations on Home Equity Lines of Credit. Taxes and other fees may still apply in certain jurisdictions. There is a maximum closing cost of $299 on First Financial Fixed Rate Home Equity Loans.

  1. PIN and ATM transactions do not earn Rewards points. First Visa® debit card signature and swipe transactions earn one point for every three dollars spent.

 

Sample payment example: If you are approved for a $10,000 loan at 10% APR for a term of 60 months, you will pay $212.47 a month, and a total of $12,748.23 over the 60-month life of the loan.

*Offer is subject to credit review and approval. Additional rates and terms are available.