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If there’s a renovation in your future, a home equity line of credit (HELOC) from First State Bank is a smart, low-interest way to tap into your home’s equity to borrow the money you need.

Home renovations. Sending your kid to college. Opportunity comes in different forms, but when it comes your way, seize it with a home equity line of credit from First State Bank. You can use your HELOC for just about anything – and once you pay off your purchases, the money is available to use again when you need it.

Whether you're looking to tackle that next home improvement project or consolidate your debt:

  • Your HELOC can be used for virtually anything
  • Your funds are easy-to-access with online or mobile banking
  • The interest may be tax-deductible**

*Stated APR (Annual Percentage Rate) is accurate as of 3/1/2021. Check with the bank for rates, terms and restrictions; rates subject to change without notice. Home Equity Line of Credit requires application and qualification criteria be met. All loans are subject to credit and property approval. Advertised rate is based on qualifying credit conditions and requires a First State Bank checking account and debit card. Not all applicants may qualify. Property insurance required. Flood insurance may be required. Minimum line amount is $10,000. Stated APRs only available if at least $10,000 of the line commitment represents new loan commitment amount not currently established with First State Bank, and, automatic payment from a First State Bank checking account is maintained; other APRs available if either of these conditions is not met. Introductory 1.79% APR is fixed for the first 9 months. Thereafter, the APR will adjust monthly based on the Wall Street Journal prime rate. The minimum rate floor after the first 9 months will be 4.00%. Maximum APR is 18.00%.

**Check with your tax advisor to be sure you’re eligible for the deduction.