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Last Updated: 04/18/2025

First Citizens Bank HELOC

from First Citizens Bank

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

Starting at $15,000

Maximum LTV

89.99%

Minimum Draw

N/A

Loan Term (Years)

Up to 15

First Citizens Bank HELOC Review

First Citizens Bank HELOC is offered by First Citizens Bank , a bank founded in 1898 and based in Raleigh, NC. First Citizens Bank HELOC are available in 50 states and Washington, DC.

Key Takeaways

No primary residences considered. First Citizens Bank HELOC does not offer financing for primary homes.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
High maximum LTV ratio. First Citizens Bank HELOC has a maximum loan to value ratio of 89.99%.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for First Citizens Bank HELOC.

First Citizens Bank HELOC Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

First Citizens Bank HELOC FAQ

What are the terms for First Citizens Bank HELOC?

HELOCs include a draw period followed by a repayment period. During the draw period, borrowers can access funds as needed up to the credit limit.

First Citizens Bank HELOC offers home equity loans with a maximum term of 15 years and a draw period of up to 10 years.

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does First Citizens Bank HELOC charge for a HELOC?

First Citizens Bank HELOC may charge an origination fee.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

4300 Six Forks Rd

Raleigh, NC 27609

(888) 323-4732

Visit Site

Email Support

Hours of Operation

Sunday

7:00AM - 11:00PM

Monday

7:00AM - 11:00PM

Tuesday

7:00AM - 11:00PM

Wednesday

7:00AM - 11:00PM

Thursday

7:00AM - 11:00PM

Friday

7:00AM - 11:00PM

Saturday

7:00AM - 11:00PM

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.