Home Equity Line of Credit (HELC)

The all-in-one flexible loan for your lifestyle.

A home equity line of credit allows you to borrow multiple times over the life of the loan, up to your credit limit. The line of credit is ready to use when you need those extra funds and you will only pay back what you borrow - whether just the minimum payment or pay it off faster. And, you can easily access your funds through online banking, checks or by card.

Ways to Apply

Apply Online

Apply easily using our online loan application!

Apply Online

Apply By Phone

We have dedicated staff that can assist you with applying right over the phone!

Call to get started now!


Visit an Office

Our friendly knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

Find an Office

Convert your variable rate to a fixed rate

If you decide you want to convert your variable rate to a fixed rate, you can do it. You can convert all or a portion of the outstanding balance to a fixed interest rate. The amount that is converted to a fixed interest rate is paid off in equal monthly payments over a period of either three, five or seven years---you choose the amount of time to pay it off.

We look at the fair market value of the property, which is determined by an Automated Valuation Model (AVM) Report and Property Condition Report (PCR), or an appraisal in accordance with the Bank’s real estate appraisal guidelines.

Save money on overdraft fees by setting up your HELC for Overdraft Protection on an FCB Bank checking account. If the account becomes overdrawn, funds are transferred from the HELC to the overdrawn account automatically. Interest begins to accrue immediately on the portion of the HELC that was transferred to the overdrawn account.



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