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HELOC Special

HELOC Special

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Ready to open a Home Equity Line of Credit? Lock in a great rate today. 

Apply Online or  Contact Us

What is the HELOC Special?

We're offering a 6-month introductory rate as low as 4.80% APR and we’ll pay your processing fees–up to $350!* Lock in these great rates while they last; this opportunity is available from April 1 to June 30, 2023.

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.

Want to read more about our home equity line of credit offerings and lenders?

Check out the main HELOC webpage.


*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 7.75% APR to 8.50% APR (based upon the Prime Rate as the index as published in the Wall Street Journal plus a margin) as of March 7, 2023 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 = 4.80% APR, and 81% to 90% LTV = 5.80% APR) is applicable for 15-year variable rate HELOC products only. This promotional offer is available for new applications submitted from April 1, 2023 through June 30, 2023.

Processing fees include: flood report, title search, credit report, mortgage release fee, and recording fees; and First National Bank will pay up to $350 toward these fees. The borrower will be responsible for the evaluation or appraisal fees (if required), which will range from $135-$500. There are no application, annual or non-use fees associated with this product.

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