EquityLine Special

Prime Minus 1.00% APR^* for the Life of the Line

Now's the time to use the equity in your home to finance home improvements, college tuition, a long awaited vacation or debt consolidation. Ask for details.

^* For new EquityLines of $50,000 or more the APR is Prime minus 1.00% (4.25% as of 4/1/08) for the life of the line. Contact us for APRs on credit lines of less than $50,000. APRs may vary. Maximum APR is 18%, minimum APR is 4%. “Prime Rate” is the highest prime rate published on the last business day of the previous calendar month in the Money Rates table of The Wall Street Journal. Property insurance required. Flood insurance may be required. External appraisal, if required, is the responsibility of the borrower. No closing costs except in MD where the Bank will pay up to $750. Limited time offer that may be withdrawn or changed at any time without notice.

Home Equity

Now, finding the best mortgage and home equity loan is easier than ever. Our mortgage experts are available from 8:00 a.m to 7:00 p.m. ET, any day of the week. Let us answer your questions, find rates, estimate payments and take your application over the phone. First Citizens Mortgages By Phone is your source and we're ready to help with your home financing needs. For more information, call us at 1.888.FC DIRECT (1.888.323.4732) or stop by your local branch.

A First Citizens EquityLine allows you to borrow using the equity you've built in your home and taking advantage of the current low rates, as well as the potential tax deductibility.¹ Pay for your child's education, buy a car, renovate the kitchen or take that second honeymoon you've been dreaming about by writing an EquityLine check or using your EquityLine Visa^®.

An EquityLine Visa gives you direct, easy access to your First Citizens EquityLine whenever and wherever you need it. With an EquityLine Visa card in your wallet, you can easily access your EquityLine for major purchases and expenses and you’ll pay no annual fee, pay nothing for fraudulent purchases and have the option to earn BankMiles^® for every dollar of purchases charged. To learn more about our BankMiles frequent flyer program click here.

A First Citizens EquityLoan is more commonly referred to as a second mortgage. It is a lump-sum loan with a fixed interest rate, fixed term and fixed monthly payments. In many cases the interest you pay is tax deductible.¹ We’ll work with you to develop the terms that meet your needs and there is never a penalty for early pay-off.