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Save money by using the equity in your home!

With Home Equity Line of Credit (HELOC) from First Financial, you can borrow money using the equity of your home. Use your HELOC to consolidate debt, make renovations or make a large purchase, it's all up to you. Plus, interest rates are typically lower than a standard credit card, helping you save more money.

Take advantage of our low introductory rate special!

INTRODUCTORY PERIOD
fixed-APR at
2.99%
for the initial 12 months1

AFTER INTRODUCTORY PERIOD
variable-APR as low as
4.75%
(or as high as 15.50%)

All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on creditworthiness, credit score, collateral criteria, a maximum combined loan-to-value (CLTV) of 80%, and are subject to change without notice. Other restrictions may apply. An approved application is required for APR to be determined. The APR is a variable rate. Your APR and payment are subject to change after the introductory 12-month period. All loans are subject to approval. Owner occupied residences only. Adequate homeowner’s insurance coverage is required. Eligible properties are primary residence single-family homes and Planned Unit Development (PUD) properties and condominiums. The borrower is required to wait until the loan funds are received to begin work on the property. A property with construction already in progress may not be eligible. Properties currently listed for sale are not eligible. This promotion is only available for new credit lines (current FFCU HELOCs are not eligible for the 2.99% promotional rate). Call for complete details. Rates and terms are subject to change without notice.

APR = Annual Percentage Rate
CLTV = Combined Loan-To-Value

1APR=Annual Percentage Rate. Actual APR after the introductory period depends on your credit qualifications and whether you elect to make automatic payments from an FFCU Checking account. If automatic payments from a FFCU checking account are declined, your APR will be higher by 0.25%. Your initial APR after the introductory period could range from 4.75% to 15.50% (based upon the current Index) depending on your creditworthiness and whether you elect automatic payments, and may change on the first APR adjustment date. The introductory discounted 2.99% APR is fixed at funding for the first 12 months (365 days). After the introductory period, your APR converts to the then-current Prime Rate (the “Index”) plus your Margin and is variable and subject to change on the first day of each calendar quarter based on changes in the Wall Street Journal Prime Rate. Based on the current Index and a Margin of 0.75% (your Margin could be different), the APR that would apply after the introductory period until the first APR adjustment date under the plan would be 4.75%. Your margin depends on your credit qualifications and whether or not you elect to make automatic payments from an FFCU Checking account. Maximum APR 15.50%


 

Why Get a Home Equity Line of Credit (HELOC) with First Financial? Take advantage of all the features and benefits:

No origination or
annual fees2

Improved rate stability
with periodic rate caps

 

No repayment shock with
fully amortized Principal
and Interest payments

Borrow up to
80% of your home’s
combined loan to value

Flexible limits starting
from $25,000
to $250,000

Easy access by check or
transfer from Online
Banking or Mobile Banking

Available for owner-occupied, California-based
primary residences

Possible tax deductions3



2Third party settlement costs between $500 and $1,500 will be incurred depending on the HELOC limit and will be waived or paid by us. However, if during the period ending on the 3rd anniversary date, your account balance is paid off ($0.00) and closed, the waived fees will be added to your account balance. An annual fee of $75 will be waived provided the line of credit balance is at least $2,500 at each anniversary date.
3Consult a tax advisor regarding the deductibility of interest.


 

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Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.