We provide a selection of home equity products to suit your needs

Our online application process is conveniently designed to allow you to stop at any time and pick up where you left off.

Designed to Fit Your Expenses

Home Equity Lines of Credit can be used for debt consolidation or expenses such as: education, wedding, travel, home renovation, medical, unexpected or emergency needs or other expenses.

Transfer available credit from your First County Bank home equity line to your First County Bank checking account to pay bills and to pay off outstanding balances. Minimum transfer amount is $500.00.

Our home equity options include three customized versions of home equity lines of credit products:

Prime Minus 1.00% HELOC - for amounts $25,000 to $500,000

  • Interest rate discount of 1.00% for the first 24 months of the term of the loan
  • Non-eligible properties include CO-OP properties
  • Variable interest rate tied to the Prime rate
  • For new HELOC customers only
  • A Combined-Loan-To-Value (CLTV) of 70% or less

  • One to four family homes and Condos, owner occupied dwellings only
  • Thereafter the interest rate is equal to the Prime rate for the remaining term of loan
  • A First County Bank Checking Account and Online Banking is required
  • Minimum draw of $25,000 is required at time of closing 

How To Apply:

Step 1

Before submitting your application, you must receive disclosures that contain rate, fee and other cost information. Find out more about Prime Minus 1.00% HELOC important terms disclosure and what home equity lines of credit.

Get Disclosures

Step 2

By submitting an application, you acknowledge that you have clicked on the ‘Get Disclosures’ link and have received the Prime Minus 1.00% HELOC Important Terms Disclosure and What You Should Know About Home Equity Lines of Credit brochure.

Apply Now

Standard HELOC - for amounts $25,000 to $500,000

  • One to four family homes and Condos, owner occupied dwellings only
  • Non-eligible properties include CO-OP properties
  • A Combined-Loan-To-Value (CLTV) of 75% or less

  • Variable interest rate tied to the Prime rate, for the term of the loan.
  • A First County Bank Checking Account and Online Banking required.

How To Apply:

Step 1

Before submitting your application, you must receive disclosures that contain rate, fee and other cost information. Find out more about standard HELOC important terms disclosure and what home equity lines of credit.

Get Disclosures

Step 2

By submitting an application, you acknowledge that you have clicked on the ‘Get Disclosures’ link and have received the HELOC Important Terms Disclosure and What You Should Know About Home Equity Lines of Credit brochure.

Apply Now

Fast Track HELOC - expedited approval for loan amounts $25,000 to $150,000

  • Single family homes, owner occupied dwellings only
  • Non-eligible properties include: Condominiums and CO-OP properties, two to four family homes
  • For new HELOC customers only
  • A Combined-Loan-To-Value (CLTV) of 75% or less

  • Variable interest rate equal to the current Prime rate.
  • Interest rate discount of 0.25% with automatic monthly payment from a First County Bank checking account,  for the term of the loan.
  • A First County Bank Checking Account and Online Banking required.

How To Apply:

Step 1

Before submitting your application, you must receive disclosures that contain rate, fee and other cost information. Find out more about FastTrack HELOC important terms disclosure and what home equity lines of credit.

Get Disclosures

Step 2

By submitting an application, you acknowledge that you have clicked on the ‘Get Disclosures’ link and have received the FastTrack HELOC Important Terms Disclosure and What You Should Know About Home Equity Lines of Credit brochure.

Apply Now

Our mortgage experts can help determine the right solution for your needs or you can apply online yourself. Our rates are tied to the Prime Rate as published in The Wall Street Journal.