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Dream Big with a Home Equity Line of Credit from FCB

Introductory Rate of 1.99%* APR for the first 12 billing cycles.

A variable rate from 4.00-4.75% APR without direct debit, or after the first year with direct debit.

Visit a bank center for more information and to apply


How could a HELOC help you?


To receive the discounted rate of 1.99%, a pre-authorized transfer (PAT) from a Frederick County Bank deposit account is required for the first year. A pre-authorized transfer (PAT) is not a condition of receiving a loan from FCB but is a condition of receiving the discounted rate of 1.99%. Without a PAT, the Interest rate will be based on the Wall Street Journal Prime (WSJP) index plus a margin of 0.00% to 1.00%. The margin and APR depends on your credit limit, credit score and participation in direct debit. As of December 15, 2016 the WSJP Index was 3.75%. *After the first year, the annual percentage rate (APR) is variable and can change, which means your payments can change. The rate will not exceed 23% APR or fall below 4.00% APR. Closing costs are estimated at $2,270.65 for the maximum line amount of $100,000 (Closing costs include flood certification, recording fees, recordation taxes, appraisal, title exam, title insurance (if applicable), credit report and verification of employment). For accounts up to $100,000, closing costs are postponed for three years if the borrower elects to pay recordation tax on entire line amount at settlement; then waived if the account is still open. Property insurance is required. 10-year draw period requiring monthly Interest only payments based on the outstanding balance followed by a 15-year amortized payment schedule. Payments may vary due to variable Interest rate. Subject to minimum loan amount of $5,000 and credit approval. Other Home Equity Line of Credit plans are available. Consult a tax adviser for further information regarding the deductibility of interest and charges. Limited time offer.

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