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.

Benefits

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.

There are a few key differences between a home equity loan and a line of credit, including:

Interest rate: Home equity loans offer a fixed rate for the life of the loan or with a balloon payment dependent upon the loan term. Home equity lines of credit typically offer a variable interest rate option.
Access to funds: A home equity loan provides you the money in an upfront lump sum and you repay over a defined period of time. On the other hand, a line of credit gives you ongoing access to your available credit. As you repay the balance during the draw period, those funds are made available for you to use again.
Payment options: Most often, a home equity loan will have fixed payments for the entire term of the loan while a line of credit offers flexible payment options based on the current balance of the loan during the draw period.

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.

Lenders usually will set a maximum loan-to-value, or LTV, ratio limit for how much they will allow customers to borrow. To calculate how much, you must know these three things:

Your home’s value
All outstanding mortgages on the property
Your lender’s maximum LTV limit

Simply multiply the home’s value by the LTV and then subtract the outstanding mortgage amount.

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

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

We'll review your credit application in accordance with our normal credit approval processes.

You should be able to access your equity line account normally within 3 business days after your closing.

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.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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

Bonus Offer

Offer is valid on new accounts only. Company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Points

Accelerated Rewards Tier: Earns one and a half (1.5) points for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits).

There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.

Rewards Redemption

Businesses in the Accelerated Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations. Businesses in the Accelerated Rewards Tier have access to additional experiential rewards and a fixed point value airline travel reward.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. $100 rewards dollars will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Cash Back

Cash Back Rewards: Earns (i) one (1) reward dollar for each one hundred (100) dollars you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) five (5) reward dollars for each one hundred (100) dollars you spend for net retail purchases in the following rewards categories: utilities and wireless phone (4 additional reward dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases) for the first twelve (12) months from account opening; three (3) reward dollars for each one hundred (100) dollars you spend for net retail purchases thereafter (2 additional reward dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases), (iii) two (2) reward dollars for each one hundred (100) dollars you spend for net retail purchases in the follow rewards categories: gas and office supplies (1 additional rewards dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases).

Rewards Categories: Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

There is no monthly point cap. Reward dollars earned are available for redemption for a 3-year term. Reward dollars expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.

Rewards Redemption

Businesses may redeem reward dollars for (i) cash back to a First Citizens checking or savings account or credit card statement credits and (ii) Pay Me Back statement credits.

Program Rules are subject to change or cancellation without notice.

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Points

Base Rewards Tier: Earns (i) one (1) point for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) three (3) points for each dollar you spend for net retail purchases in the follow rewards category: gas stations (2 additional points on top of the 1 point per dollar earned on net retail purchases), (iii) two (2) points for each dollar you spend for net retail purchases in the following rewards categories: restaurants and travel (airlines, auto rental, and lodging) (1 additional point on top of the 1 point per dollar earned on net retail purchases).

Businesses may earn up to 10,000 points per calendar month, excluding bonus points. Points earned are available for redemption for a 3 year term. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.

Rewards Redemption

Businesses in the Base Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations.

Program Rules are subject to change or cancellation without notice.

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Find a Branch

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Find a Branch

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLCor a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Find a Branch

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Find a Branch

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We'll process your request and respond within 45 days. Our response may either:

Include documentation responsive to your request
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Inform you if your request can't be processed. If we need additional information to process, we'll have a representative call you.

If you didn't make this request or have questions, please call us toll free at 888-FC DIRECT (888-323-4732). Our representatives are available Monday through Sunday between the hours of 7 am and 11 pm ET. Thank you for contacting First Citizens Bank. We appreciate your business.

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You'll receive a reply within 2 business days.

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I want to open a checking account.

Looking to open a small business account? Get started

2,500 New Enrollment Bonus

The new enrollment bonus offer is available at account opening to new cardholders in the Accelerated Rewards Tier of the First Citizens Rewards® credit card or existing cardholders who upgrade to the Accelerated Rewards Tier. Not valid with any other promotional offers.

Earning Points

At the Accelerated Rewards Tier, you will earn 1.5 points for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases. There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.

Redeeming Points

Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. Some limitations may apply.

You may redeem points back into other First Citizens banking products:

Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
Account credits towards a First Citizens personal loan or mortgage

Cash back and account credit redemptions must be completed through the Program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. The redemptions will post within 2-8 business days. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.

Cardholders in the Accelerated Rewards Tier may redeem 50,000 points for one continental flight when the flight is booked at least 21 days in advance and includes a Saturday night stay. This reward is only available for redemption on coach tickets priced below $1,000.00. Tickets priced above $1,000.00 are not eligible for this reward.

Redemptions are also available for travel, including airline tickets, hotel, car rentals, cruises and tours, retail gift cards and certificates, donations and merchandise.

You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.

These terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in.

Program rules are subject to change or cancellation without notice.

Earning Reward Dollars

With Cash Back Rewards, you will earn 1 reward dollar for each $100 net dollars you spend for net retail purchases (gross retail purchases less any returns or credits). Earned reward dollars are calculated on actual dollars spent rounded up or down to the nearest point. Reward dollars will be deducted from the available rewards account balance for all returned purchases.

There is no monthly earnings cap. Reward dollars earned are available for redemption for 3 years. Reward dollars expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.

Redeeming Reward Dollars

Each reward dollar is worth $1, which means that $100 reward dollars equals $100 in redemption value. Redemptions start as low as $25 rewards dollars.

You may redeem reward dollars back into other First Citizens banking products:

Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
Account credits towards a First Citizens personal loan or mortgage

Cash back and account credit redemptions must be completed through the program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. The redemptions will post within 2 to 8 business days. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.

You may redeem rewards dollars for account credits to be deposited to your First Citizens checking or savings account or applied to your First Citizens credit card, consumer loan or mortgage.

You may use reward dollars for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.

Program rules are subject to change or cancellation without notice.

Earning Points

At the Base Rewards Tier, you will earn 1 point for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases.

At the Base Rewards Tier, cardholders may earn up to 10,000 points per calendar month. Points earned are available for redemption for a 3-year term. After the 3-year term, points expire and can no longer be redeemed. Points expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.

Redeeming Points

Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. All rewards redemptions can be made through the First Citizens Rewards Center by telephone or through the program website. Some limitations apply.

You may redeem points back into other First Citizens banking products:

Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
Account credits towards a First Citizens personal loan or mortgage

Redemptions are also available for retail gift cards and certificates, donations and merchandise.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

What are you looking for most in a credit card?

Flexible Rewards

Cash back

A low interest rate

Do you plan to use this card for everyday purchases?

Yes

In addition to cash back, are you also interested in earning points redeemable for gift card, merchandise and more?

Yes

Are you also interested in earning rewards?

Yes

Based on your answers, here's what we recommend

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Earn rewards faster
Use rewards for exclusive travel experiences
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Earn points by making everyday purchases and pay no annual rewards program fee.

Earn rewards
Pay no annual fee
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Recommended

Cash Back Card

Transform everyday purchases into unlimited cash back.

Earn cash back
Use rewards as statement credits
Get an introductory balance transfer offer

Recommended

Smart Option Card

Get our lowest available rate.

Consolidate higher interest rate balances
Pay no annual fee
Get an introductory balance transfer offer

Still not sure? Compare Accounts

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Home Equity Lines of Credit

Put your home equity to work for you

Get a home equity line of credit

Bank from anywhere with your mobile devices

Bank from anywhere with your mobile devices

Bank from anywhere with your mobile devices

Bank from anywhere with your mobile devices

Cash back rules

Keep banking simple with free checking

People often ask us

Bonus Offer

Earning Points

Rewards Redemption

Bonus Offer

Earning Cash Back

Rewards Redemption

Bonus Offer

Earning Points

Rewards Redemption

Let's get started

Let's get started

Let's get started

Let's get started

Check if you should transfer your balance

Thank you. We'll be in touch.

Do you have a First Citizens checking account?

Yes

No

Based on your answers, here's what we recommend

Free Checking

Premier Checking

Prestige Checking

Based on your answers, here's what we recommend

Accelerated Earnings Card

Rewards Card

Cash Back Card

Smart Option Card