Our Osage drive-up will be CLOSED on Saturday, September 21 due to Autumn Artistry going on in town. Our ITM service will be available 8:30am-noon and our ATM is available 24/7.
Turn your current home into your dream home!
Borrow against your home’s value and the equity you have in it to get “everything” you’ve wanted! With a closed-end home equity loan, you'll receive a lump sum and your rate and payments will remain the same for the life of the loan.
A First Citizens Home Equity Loan is great for “everything” like:
HOME IMPROVEMENTS
Weather proof your house by replacing old windows & siding; Update existing rooms like kitchen or bath; add space for an office or gym; put on a new roof and more!
PAY OFF DEBT
If you have high balances on personal loans or other debt, you could pay less by consolidating them into a home equity loan.
OTHER LARGE EXPENSES
Things like medical bills, new furniture, once-in-a-lifetime vacation, or an unexpected expense.
| Home Equity Line of Credit (HELOC) | Home Equity Loan | |
|---|---|---|
| Uses your home as collateral |  |
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| Access your money in Online Banking | |
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| Receive your money as a lump sum | |
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| Draw on funds as needed up to your limit | |
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| Can be used again and again | |
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| No penalty for early payoff | |
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| Can replace your current home loan | ||
| Ready to Apply? |
Home Equity Line of Credit (HELOC) |
Home Equity Loan |