Home Equity Lines of Credit Home Equity Lines of Credit Put your home equity to work for you - Overview - Compare - Home Equity Lines of Credit - Home Equity Loans Take advantage of the equity you've saved up in your home You have actually developed a lot of equity in your home throughout the years. With a home equity line of credit, or HELOC, you can open this value and use it in a range of methods. Competitive rates Get approved for a low rate when you take equity out of your home. Flexible payments We'll work together to find a payment option that's ideal for you. Overdraft security Use your equity line as overdraft defense on First Citizens accounts. For a yard swimming pool For home remodellings Get quick, simple access to the funds you need For a rainy day Open a home equity line of credit You have actually worked hard for your home. Now put that equity to work to attain your goals.D - Complimentary PremierD or PrestigeD monitoring account - Interest might be tax-deductibleD - Borrow approximately 89.99% of your home's equity - Conveniently access your funds with checks or your EquityLine Visa ® card or transfer to your checking account in Digital Banking - Lock in your rate with the fixed-rate choice HELOC benefit schedule calculator Determine the HELOC that fits your requirements Use this calculator to get an in-depth payoff schedule for the HELOC that's right for you. If you're not sure how to apply for a home equity credit line, do not stress. We're here to assist you and make each action as basic as possible. Submit your application The primary step towards opening a HELOC is beginning a conversation with among our expert lenders and sending an application for preapproval.