Images of possible HELOC uses, including home remodeling and repair, and wedding planning
Images of possible HELOC uses, including home remodeling and repair, and wedding planning

use your home equity to bring your dreams into focus

Get a home equity line of credit with a rate of 6.99% for 6 months.1

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We love HELOCs and here's why:

A home equity line of credit (HELOC) is a line of credit tied to the equity you've earned in your home. As the equity in your home grows, so does the amount you can borrow. HELOCs offer distinct advantages over a personal loan or a credit card including lower interest rates, the ability to cover larger dollar expenses, and low monthly payments during your draw period which gives you great spending potential.

Limited time only: 6.99% for the first 6 months

  • Interest-only payments on what you borrow for the first 10 years1
  • Borrow money when you need it, up to your credit limit1
  • Quick approvals and easy access to funds
  • No application fees, origination fees, or closing costs2
  • No annual fee for select First Financial checking accounts2
Apply now

Debt consolidation

Thanks to our low rate, a HELOC is a great opportunity to consolidate high interest debt.

Remodel your home

Because a HELOC is a line of credit, you can draw funds for your home improvement projects as you need them. This allows you to control costs and only borrow what you need.

Pay for school

Looking to help your kids get a head start on paying for tuition and other college-related expenses? Or maybe you're ready to take on graduate school. With a HELOC, you can ditch the costly student loans and utilize the equity in your home instead.

You are only limited by your imagination

Expecting a baby? A dream wedding? The uses for your HELOC are limitless. The best part? Since the loan is secured by the equity in your home, interest rates are incredibly low, especially if you act on this limited time offer.

How do I calculate my home's equity?

You have questions, we have answers and helpful tips. You'll need to know your home's equity to estimate your line of credit before an appraisal. 

Calculate your equity Is a HELOC right for me?

24 inspirational ways to use a HELOC in '24

How to get the best HELOC rate in Indiana, Kentucky, and Ohio

Looking for other borrowing options?

Your home equity lending options don’t end with HELOCs. We’ve put together a handy comparison chart to help you see your options.

Compare home equity View all lending options

Frequently asked questions

To get the promo rate, apply before December 31, 2024.1, 2

We always encourage our clients to do their research before making a financial decision, but this rate will only be around for a limited time, so don’t take too long. Our six-month promotional rate goes away December 31, 2024.1

Before submitting your application, feel free to give us a call or make an appointment to talk with a loan officer if you have questions.

We pride ourselves on making things as easy as possible. We suggest getting your paperwork organized before starting the application.

  • You'll need your Social Security information, income history, and mortgage documentation.
  • Once you're ready, you can apply today to lock in your rate.
  • After you apply a HELOC specialist will contact you to verify your information and help you with the next steps.
  • After an initial lending decision is made, it’s time for an appraisal to be scheduled.
  • Following the appraisal, you’ll be able to sign the final documentation and start using your HELOC.

1 APR = Annual Percentage Rate. Introductory rates start at 6.99% for the first 6 months. $10,000 minimum loan amount or increase to existing line required. Eligible on owner occupied properties only. Must apply by December 31, 2024 for promotional rate. Non-promotional rate ranges from 7.60% to 11.05% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.

2 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. $75 annual fee after first anniversary. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. The interest rate will not exceed 18%. For a fee of $100, borrowers may lock all or a portion of the outstanding balance for a fixed term at a fixed rate. Home Equity Lines of Credit have a Draw Period and Repayment Period. During the Draw Period, the minimum monthly payment is interest only. At the end of the Draw Period, the Repayment Period begins. During the Repayment Period, the principal balance, excluding previously locked amounts, is amortized over a period of 15 years, which may increase the monthly payment previously due. No closing costs and/or origination fees on Home Equity Lines of Credit on owner occupied residences. There is an origination fee of $1,250 on non-owner occupied properties. All loans subject to credit review and approval and rates are subject to change without notice. Additional loan benefits may apply.