Home Equity Lines of Credit

Put your home equity to work for you

Competitive Rates

Qualify for a low rate when you take equity out of your home.

Flexible Payments

We'll work together to find a payment option that works for you.

Overdraft Protection

Use your equity line as overdraft protection on First Citizens accounts.


Get a home equity line of credit

You've worked hard for your home. Now put that equity to work to achieve your goals.

  • Complementary PremierD or PrestigeD checking account
  • Interest may be tax deductibleD
  • Conveniently access your funds with checks or your EquityLine Visa® or transferring to your checking account in Digital Banking
  • Lock in your rate with the fixed-rate option
Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Seamlessly move your money

Set alerts for transactions

Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Digital Banking

Bank from anywhere with your mobile devices

Seamlessly move your money

Digital Banking

Bank from anywhere with your mobile devices

Set alerts for transactions

Cash Back Credit Card

Cash back rules

Earn unlimited cash back and pay no annual fee with our Cash Back Rewards Visa credit card.
Free Checking

Keep banking simple with free checking

Enjoy the freedom of no monthly maintenance fee when you enroll in paperless statements.

People often ask us

There are several options available to you as you near the end of draw period on your EquityLine. For more information, please see our Home Equity Line of Credit End of Draw Options.

Interest you pay on a loan secured by your primary residence may be tax deductible. You should always consult an accountant or tax advisor to determine if this applies.

First Citizens Bank
PO Box 29514
Raleigh, NC 27626

Your home’s equity can be calculated by subtracting any outstanding mortgage balance(s) from the market value of the property. For example, if the appraised value of your home is $250,000 and the principal balance remaining on your mortgage is $150,000, then your home equity is $100,000. This is the portion of your home that you own.

You'll need to complete an application with the following information:

  • Name
  • Property address
  • Photo ID (drivers license or passport)
  • Employment and income information
  • Current mortgage details
  • Amount you wish to borrow

After we have reviewed your credit application in accordance with our normal credit approval processes, we will determine if you qualify for an EquityLine or EquityLoan.

Account openings and credit are subject to bank approval.

With qualifying EquityLine. The minimum line amount required is $25,000 or more.

With qualifying EquityLine. The line amount required is $100,000 or more.

Consult your tax advisor regarding the deductibility of interest.

First Citizens checking account is recommended. Property insurance is required. Title insurance and flood insurance may be required.

Some restrictions apply.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.