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Home Equity Line Of Credit

The Smart Way To Borrow

Home Equity Line of Credit

Special Offers:

$500 Home Improvement Shopping Spree Contest

Get your checklist ready to go from “To Do” to “Done!" Anyone who opens a HELOC April through May will be entered to win a shopping spree to your favorite home improvement store! So stop dreaming and start doing today. Official rules.

HELOCs as low as 2.99% Fixed APR 1, and We’ll Pay Your Closing Costs up to $600! 2

Use it for just about anything – Like a home improvement project, an auto purchase, family vacation, education expenses and more!

• Borrow 80% or more of the property value
• Credit line remains open for 15 years
• Access funds by checks or digital banking

Apply or Transfer Now


A Home Equity Line of Credit borrows from the equity you have in your home. In most cases, the rate will be lower than rates for credit cards or other forms of credit. It works like a credit card with an adjustable rate, term and monthly payments that do not change.

At Family Trust, you typically can borrow 80% of the appraised value, and once approved, it’s generally good for 15 years. An interest-only option with a 10-year advance period is also available for qualified borrowers.

Questions? Call (803) 367-4100, ext. 3014

HELOCs can be a convenient, low-cost solution for:
Consolidating debt
An emergency fund
Starting a home improvement project
Paying for education
Financing your dream home
Starting up your own business

Rates and terms are dependent upon your creditworthiness and collateral and are subject to credit approval and may change at any time without notice. Property insurance is required and flood insurance is required where applicable. Restrictions may apply. Additional fees and closing costs, such as attorney fees, insurance, or appraisal fees, may apply. Contact Family Trust to see which fees would apply to you. Loan programs, rate, terms, and conditions are subject to change at any time without notice.

1 APR = Annual Percentage Rate as of 12/14/2017. Promotional rate is offered between 1/1/2018 and 06/30/2018 (“promotional period”). Rate on all advances made during the promotional period will remain fixed until 12/31/2018. On 1/1/2019, the rate will adjust to the variable APR in your HELOC loan agreement but will not exceed 18.00%. As of 12/14/2017, the variable APR ranges from 4.25% to 10.75%. Rates and terms are dependent upon your creditworthiness and collateral and are subject to credit approval and may change at any time without notice. Property insurance is required and flood insurance is required where applicable. Restrictions may apply.

2 A $600 credit applies to all fees and closing costs, such as attorney fees, insurance, or appraisal fees. Loan programs, rate, terms, and conditions are subject to change at any time without notice.