Mother and daughter baking in a newly remodeled kitchen.

Fall HELOC Special

Create More Memories with a No Closing Cost HELOC.

Now available in Florida.







No Closing Cost Home Equity Line of Credit

With a great 1-year intro rate and no closing costs, you could update your kitchen for the holidays!1


Here are the highlights:
  • 20 year HELOC with no closing costs for loans up to $100,000.1
  • 1-year intro interest rate of 4.00%, then interest rates as low as Prime (5.25%).2
Here's how it works:
  • You'll make interest-only payments on a revolving line of credit for 7 years. Then, you'll make principal and interest payments for the remaining 13 years.3
  • We'll waive the closing costs when you make an initial draw of $10,000, and maintain a $10,000 or more balance for 2 years.1
Stop by your local branch or give us a call to get started!









1) No closing cost option available for owner-occupied site-built residences only. Minimum loan amount is $10,000. Total closing costs waived for loans up to $100,000 not to exceed $2,265 with an initial draw of $10,000 made at closing and an outstanding balance of $10,000 or more maintained for 24 months. The combined loan to value of both the first and second mortgage is up to 80% including the new HELOC. If the HELOC is in default, or if any of the preceding requirements are not met, all closing costs will be assessed to the outstanding balance of the HELOC for the bank’s reimbursement. Available only for new loans of $10,000 or more. 2) The Annual Percentage Rate (APR) is as low as 4.00% and is capped at 18%. The APR is variable, is based on Wall Street Journal (WSJ) Prime as of 10/01/2018, and may change. 3) As an example: interest-only payments for a $10,000 line of credit balance with a 1-year intro APR of 4.00%, would be 12 monthly payments of $30.68 to $33.97. Next, there would be 72 interest-only monthly payments of $40.27 to $44.59. Finally, there would be 156 monthly payments of $88.60. The $47 annual fee is waived with eStatement enrollment or auto debit of the monthly payment from a FFB checking account. A FFB Checking account is required. Property must be titled in a personal name - no trusts or corporations. Property insurance is required, including flood and wind insurance where applicable. Loan pricing is subject to credit underwriting and approval. Appraisal fee (up to $550) due at application, but will be reimbursed at closing. Consult a tax advisor regarding the deductibility of interest. Exclusions and limitations may apply. Valid until 12/31/2018. Additional rates and terms available. See a banker for complete details.