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Save money by using the equity in your home!

Benefits of a Home Equity Line of Credit:

  • Low introductory 3.74% APR1
  • 0.25% discount for automatic payment from First Financial Checking Account.
  • Improved rate stability with periodic rate caps
  • No repayment shock with fully amortized Principal and Interest payments  
  • No Application Fee
  • Borrow up to 80% of your home’s combined loan to value
  • 25 year loan with a 10 year draw period2
  • Flexible Limits from $25,000 to $200,000
  • Easy access by check or transfer from Online Banking or Mobile Banking
  • Available for owner-occupied, California-based primary residences
  • Possible tax deductions3
Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.

All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria, and term of loan, and are subject to change without notice. Other restrictions may apply. Call for complete details. Owner Occupied Residences Only. Rates and terms are subject to change without notice.

1APR=Annual Percentage Rate. The introductory rate applies to any advances made during the 12 month introductory period and no other discounts apply during this period. After the introductory period, your rate will be variable and will range from 5.50% and 7.75% APR depending on your credit qualifications. Not valid for refinances of current FFCU loans. The rate listed after the introductory period reflects a 0.25% APR discount for automatic payment from a FFCU checking account. The variable rate is subject to change on the first day of each calendar quarter based on changes in The Wall Street Journal Prime Rate plus a margin. The maximum APR under the plan is 15.50%.
2If you enroll in automatic payments from FFCU checking account prior to loan funding you will receive a 0.25% APR discount. If you cancel automatic payments your rate will be 0.25% APR higher.
310 year draw period with fully amortized monthly payments of principal and interest based on current balance, variable rate and remaining term or $100 whichever is greater during the draw and repayment period.
4Consult your tax advisor

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