Home Equity Loans

Ready to start your home improvement projects? We have a limited time offer! Great rates as low as 3.95% APR* and $250 in your pocket. Apply today!

Home Equity Loan

Your home can provide you with affordable financing for any purpose or project. Our home equity loans are a great way to capitalize on the investment you already have in your house. Plus, the interest may be tax-deductible. Apply today to find out how your home can work for you!

  • As low as 3.95% APR*
  • No closing costs**
  • $250 to help you get your home improvements started^
  • No appraisal fee
  • Limited time offer!
  • May be tax deductible. Consult your tax adviser. 

Home Equity Line of Credit

Use your home equity and get pre-approved for a line of credit to use for whatever you need, whenever you need it. You only pay interest on what you use, and accessing funds is as easy as writing a check. Pay off your credit cards, fix up your home, or tackle an unexpected expense. 

  • Rate as low as Prime Rate
  • Based on the value of your home^
  • Loans starting at $5,000
  • Easy access to funds via checks, online banking, telephone banking, or in person
  • Pay interest on only what you use
  • Use it again with no need to re-apply
  • Local processing and underwriting
  • Quick decision making
  • Experienced personal service




*Annual Percentage Rate is a fixed rate and is based on loan to value, term, and creditworthiness. Minimum loan amount to receive APR is $5,000. Financing for up to 15 years is available on loan amounts up to 80% of the appraised property value minus the outstanding first mortgage balance. **Not applicable to properties held in trust. ^Minimum $10,000 loan to receive cash incentive. Cash incentive is a one-time offer on one-time funds disbursement. Funds will be deposited into savings within 30 business days of loan closing. Early payoff of less than one year requires full repayment of $250 incentive. Cash incentive is not available if loan is used to pay off any existing floridacentral debt or obligation. ^^Loans over $50,000 may require an appraisal fee. No annual fee or pre-payment penalty. Other rates and terms available. Special offer is only available for Home Equity Loans. Smartline Home Equity Lines of Credit are not eligible for special offer.