HELOC

Use Your Home's Equity For Upgrades

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renovated kitchen
couple picking out renovation colors and furniture

Upgrade Your Home with a

5.75% APR HELOC

for the first 12 months1

Whether updating your outdoor space or renovating your kitchen, our low closing cost Home Equity Line of Credit2 makes upgrading easy.

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Ways to use your HELOC funds

A home equity line of credit (HELOC) is a revolving line of credit, perfect for home improvement projects, major expenses or to consolidate your debt. Using your home's equity as collateral, you may have access to funds for up to several years.
couple admiring paint job

Renovate
Your Home

Refurbish your kitchen or bathroom and increase your home's value, and potentially enjoy some tax deductions.
kids in pool

Outdoor Living
Upgrades

Are you are dreaming of a pool in your backyard or a perfect spot to grill and enjoy a new firepit? Not only do these improvements provide you enjoyment, they help you build more home equity.
graduation hats

Support Educational Costs

With the cost of education continuing to rise, a HELOC may be the best way to fund a new educational experience or consolidate existing student loan debt.

 
hammering roof

Unplanned
Expenses

Does your home need significant repairs or did you encounter an unplanned emergency recently? Use a HELOC to pay for the unplanned expense.

Visit a branch or drop us a note and a banker will call you.

For questions about existing loans, please call 1-877-499-0572
Use our calculator to determine how much you may qualify to receive.
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1The 5.75% Annual Percentage Rate (APR) is a 12-month promotional rate. After 12 months, the APR will be based on a Margin and range from Prime +0% to Prime +3.5%, capped at 18%. As of 9/23/2025 the prime rate is 7.25%. An additional rate reduction of 0.25% for 12 months , with $25,000 in new funds deposited to a First Federal Bank checking account. 25 year term with a minimum limit of $15,000 and maximum loan amount of $500,000 on 1st mortgage and $250,000 on 2nd mortgage.
2nd mortgage available on site built homes only.

2Low closing cost promotion: Bank will credit at closing $1,000 in FL or $1,250 in SC towards costs associated with opening a Home Equity Line of Credit. A balance of $25,000 or more must be maintained for the first 12 months or the credit will be reversed and charged to the line.


Exclusions and limitations may apply. Subject to offer availability and may be discontinued at any time. Additional rates and terms available. See a banker for complete details. Consult a tax adviser for further information regarding the deductibility of interest and charges. Updated 9/24/2025.