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Home Equity Line of Credit
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Whether you're planning a remodel, consolidating debt, or funding a big milestone, a HELOC from First Financial gives you flexibility, competitive rates, and trusted support to move forward—on your terms.

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SPECIAL INTRODUCTORY RATE

5% APR for the first 9 months¹

A limited-time HELOC offer designed to give you more room in your budget—right from the start.

Put Your Home’s Equity to Work

Home Improvements

Make Your Home Work for You

Take on the updates and improvements you have been putting off with flexible access to funds that helps you move forward while keeping your financial stability intact.

5% APR for 9 months
5% APR for 9 months

Life Events

Be Ready for What Life Brings Next

From planned milestones to unexpected needs, access your home’s equity with confidence so you can stay prepared instead of feeling pressured.

Education and Growth

Move Forward With a Clear Plan

Whether you are investing in education or pursuing new opportunities, choose a financing option that keeps you in control and focused on what comes next.

5% APR for 9 months
5% APR for 9 months

Debt Consolidation

Bring Everything Into One Simple Payment

Combine higher-interest balances into one manageable solution and start making real progress with a lower introductory rate.

For a limited time, enjoy:

Fixed 5% APR

 For the first 9 months1

No Closing Costs or Annual Fees

Mortgage tax still required in Tennessee & Georgia.

Flexible Access

Access to funds when you need them.

What Can Your Home’s Equity Do for You?

Wondering how refinancing could impact your monthly payment or total savings?
Use our refinance calculator to estimate your potential benefits.

Don't miss this limited-time offer!

5% Introductory Rate for 9 Months

Apply Today Apply Today

HELOC FAQs

1. What is a Home Equity Line of Credit (HELOC)?

A HELOC is a revolving line of credit that allows homeowners to borrow against the available equity in their home. Unlike a traditional loan, customers can access funds as needed, over time, and payments will be interest-only during the draw period.

2. How does the 5% introductory rate work?

New HELOC customers receive a 5% rate for the first 9 months from the date the loan is closed. During this period, the rate remains fixed. After the introductory period, the full variable APR is based on the Prime Rate plus a margin, as outlined in the loan agreement.

3. What can a HELOC be used for?

A HELOC offers financial flexibility for a wide range of needs. Common uses include:

  1. Home (primary residence) renovations or repairs
  2. Consolidating high-interest debt
  3. Major purchases (furniture, appliances, etc.)
  4. Education or tuition expenses
  5. Emergency or unplanned expenses
4. Who is eligible for this promotion?

The promotion is available to individuals who open a new HELOC with First Financial Bank on a primary residence (owner-occupied, 1–4 family home). It does not apply to:

  1. Refinancing existing First Financial HELOCs
  2. Second homes or vacation homes
  3. Commercial or investment properties
  4. Land loans
5. Are there fees associated with this HELOC?

For qualified customers, there are:

  1. No closing costs (However, some states such as Georgia and Tennessee require state mortgage taxes to be paid)
  2. No annual fees
  3. Property insurance required; flood insurance may also be required based on location
  4. Early termination fee of $299 if the HELOC is closed or refinanced within 24 months
6. What is the borrowing limit?

Customers can borrow between $5,500 and up to 85% Loan-to-Value (LTV) based on the appraised value of their home, subject to credit approval and underwriting.

7. How can customers access HELOC funds?

Approved customers can access their available funds through:

  1. Online banking transfers
  2. HELOC checks
  3. In-branch withdrawals
  4. HELOC debit card
8. What happens after the 9-month introductory period?

After the initial 9-month discount, the rate will adjust to the Wall Street Journal Prime Rate + a margin, as specified in the agreement. The rate is variable and will adjust based on market conditions.

9. How can customers apply?

Customers can apply by:

  1. Applying online
  2. Speaking with an associate at any First Financial banking center
10. Are there additional discounts available?

Yes. Customers who set up auto-deduct payments from their First Financial Bank account receive an additional 0.25% interest rate reduction.

11. How long will this promotion be available?

This is a limited-time offer. First Financial Bank reserves the right to modify or end the promotion at any time.

12. What is the minimum and maximum APR a customer could receive?
  1. Minimum APR: 2.000%
  2. Maximum APR: 21.000%
    • These limits are defined in the HELOC agreement and provide clear expectations for rate boundaries.
13. Do mobile homes qualify for a HELOC?

Mobile homes may qualify if the tongue and axles have been permanently removed and the home is on a permanent foundation and is taxed as real estate.

14. When are HELOC payments due?

All HELOC payments cycle on the last business day of the month. Due dates typically fall between the 23rd and 25th. Customers receive a monthly billing statement. Home Equity Lines of Credit have a Draw Period and Repayment Period. The draw period and repayment period are 120 months. During the Draw Period, the minimum payment will be interest-only. Borrowers can make principal payments on a discretionary basis. The minimum payment will not fully repay the principal that is outstanding on your credit line. At the end of the term, your final payment will be a single balloon payment.

  1. Subject to credit approval. Offer available on new HELOCs approved through 6/30/26. Offer valid on owner-occupied primary dwelling only for first or second liens. Refinancing of existing home equity loans do not qualify. Property insurance required, flood insurance may be required. 5% nine month introductory rate period is from date of consummation. No closing costs, however, some states such as Georgia and Tennessee require state mortgage taxes to be paid. If you close or refinance your line within 24 months, an early termination fee of $299 will be assessed to repay closing costs paid on your behalf. As of 3/18/26, the WSJ Prime Rate is 6.75%. After the 9-month introductory period, annual percentage rate (APR) will vary based on WSJ Prime Rate as published daily plus a margin for the remainder of the draw period. Minimum APR will not go below 2.00%, maximum APR will not exceed 21.00%.  Other restrictions or conditions may apply. This is a limited time offer and First Financial Bank N.A. reserves the right to discontinue this offer at any time. Available line amounts from $5,500 up to 85% Loan-to-Value of home's equity. Customers who sign up for auto-deduct from a First account receive an additional .25% discount on interest rate. See your lender for full details.