Home Equity Line of Credit (HELOC)

You work hard for your home — let us put your home to work for you. Use the equity in your home as collateral for a line of credit. Funds can be accessed anytime for almost any purpose, from college tuition to home renovation. You’ll only owe interest on what you spend — and you only have to apply once.

  • Competitive rates for several ongoing or seasonal needs:
    • Home improvements
    • Emergency reserve
    • Debt consolidation
    • And much more!
  • Use the existing equity in your home as collateral backing
  • Repayment terms that work for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily available via online, in-person, and phone transfers to a specified FCNB checking account
  • The interest paid may be tax deductible*
  • Local decision-making and processing
  • Helpful, customized service throughout the entire process

* Consult a tax advisor.

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