Limited Time Offer!
Let us help you do the things you want to do.

No matter what you’ve been dreaming about doing, a First United Bank & Trust Home Equity Line of Credit (HELOC) can help you do it. And right now, we’re offering a remarkably low intro rate of 3.49% APR* for 6 months from closing date!

Tell us what you plan to do

Use the borrowed money for any number of purposes, like taking a family vacation,  help pay for college tuition, or tackle that long awaited remodel. Our Home Equity solution offers:

  • Flexible borrowing with competitive rates
  • Spending power to handle a variety of expenses
  • Local expertise and decision making

Lock In Your Rate

Accessing your line of credit is as easy as writing a check. Plus, with our Home Equity Lock-In Line of Credit account, you don’t have to choose between a revolving line of credit or a term loan!

Our Home Equity Lock-In Line of Credit account allows you to get the best of both worlds; a revolving line of credit and the ability to lock in a fixed interest rate on up to three portions of your line for 5, 10 and 15 year periods.*

Home Equity Rates

Loan Amount Rates as low as *
$10,000 – $49,999.99 Prime + 0.50%
$50,000 – $99,999.99 Prime + 0.25%
$100,000 – $500,000 Prime - 0.25%
$100,000 – $750,000 Available for first lien only Prime - 0.25%
* The annual percentage rates (APR) and details within the table above are accurate as of 12/14/2023. Rate is based on line amount and credit rating. First lien subject to a 3.50% floor rate, second lien subject to a 3.75%, both with a lifetime Annual Percentage Rate (APR) cap of 16.00%. Loans subject to credit and property approval. Rates, program terms and conditions are subject to change without notice, applicants must be 18 years or older to apply. All standard fees apply. Upon request we will provide you with a breakdown of any third party fees required. Property insurance is required; additional flood insurance may be required as well. Other restrictions and limitations apply. Rates are variable and based on the Prime Rate (as published in The Wall Street Journal).

Home Equity Lock-In Line of Credit Rates

Term Loan Amount Rates as low as *
5 year lock $3,000 - $50,000 Current line rate + 0.00%
10 year lock $25,000 - $150,000 Current line rate + .25%
15 year lock $50,000 - $250,000 Current line rate + .50%
* The annual percentage rates (APR) and details within the table above are accurate as of 12/31/2023. You can lock in portions of your Home Equity Line of Credit (HELOC) for fixed lock terms of 5, 10 or 15 years. The APR for the locked term will be calculated by adding a margin to the current HELOC APR that applies as of the date of the lock. You may request a 5 year lock of $3,000 to $50,000; a 10 year lock of $25,000 to $150,000 and a 15 year lock of $50,000 to $150,000 of your available credit. See Home Equity Rates disclosure in the table above for more details.

Additional Features and Services

Internet Banking

Execute all sorts of banking transactions without having to leave your home or office. It’s easy and secure.

Mobile Banking

On the run? You can access account balances, transfer funds and even pay bills using our mobile app.

Mobile Deposit

Just snap a picture of your deposit with your smartphone, press a few buttons, and you’ve completed your banking for the day.

Visa Debit Card

Earn reward points without accumulating debt with the card that links to your checking account.

Telephone Banking

Access account information, transfer funds, and even place check reorders 24-7 from the convenience of your phone.

Customer Service Center

Our skilled associates are just a phone call away, until 8 PM on weekdays, to answer all your banking needs.

Here, banking is all about you. Let us serve you better.

Disclosures

* Loans subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Other restrictions and limitations apply. Rates are variable and based on the Prime Rate (as published in The Wall Street Journal). Rate is based on line amount and credit rating. The current amounts with a credit score above 740 or better are as follows: Tier 1 - $10,000- $49,999 is Prime + .50; Tier 2 - $50,000 - $99,999 is Prime + 0.25; Tier 3 - $100,000 - $500,000 is Prime - 0.25; or our floor of 4.00% which is applicable to all Tier’s. Maximum line amount $500,000/Minimum line amount $10,000. Lifetime Annual Percentage Rate (APR) will not exceed 16.00%. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well. The product requires third party fees ranging from $300 to $1500. Upon request we will provide you with a breakdown of any third party fees required.

Optional Lock Feature: You can lock in portions of your Home Equity Line of Credit (HELOC) for fixed lock terms of 5, 10 or 15 years. The APR for the locked term will be calculated by adding a margin to the current HELOC APR that applies as of the date of the lock. The following rates are applicable as of 9/27/2018: 5 Year Term = Current HELOC APR plus .25%; 10 Year Term = Current HELOC APR plus .75%; 15 Year Term = Current HELOC APR plus 1.25%. You may request a 5 year lock of $5,000 to $50,000; a 10 year lock of $25,000 to $150,000 and a 15 year lock of $50,000 to $150,000 of your available credit.

All loans subject to credit approval.  All applicants must be 18 years of age.