Home Equity Line of Credit (HELOC)

This is a perfect time to tackle those home improvement projects we have been putting off for so long. With a Home Equity Line of Credit (HELOC) from First Fidelity Bank you can use the equity in your home to secure the funds you need to upgrade your kitchen, remodel a bathroom, plan a dream wedding, consolidate debt and much more.

A HELOC may be tied to a checking account to sweep funds or advance on your line of credit. Your HELOC advances in $100 increments. We will also provide you with checks to access your HELOC when and where you need it.


  • Borrow up to 80 % of equity in your home
  • Revolving line of credit
  • $10,000 minimum
  • Checks are issued
  • Minimum interest rate of 4% APR
  • HELOC may be tied to a checking account with access by check, debit card, or ATM

Offer of credit is subject to credit approval


HELOC vs. Home Equity Loan. What's the Difference?


A HELOC is a revolving line of credit. The Annual Percentage Rate (APR) ranges from NYP -.25  up to NYP +1.25 with a floor of 4.0%. The APR offered is also based on the credit characteristics and Loan-To-Value (LTV). Loan amount must be $10,000 or greater.  The APR is variable and may change at any time with a minimum floor of 4% APR.  Current appraisal, property insurance required including flood insurance where applicable. A one-time $100 documentation fee applies. Loan amount may not exceed 80% of your home's value. Rates and Terms are subject to change without notice. All loans are subject to credit approval. Equal Housing Lender.