There’s never been a better time for home improvements!

At these low rates, you can take your kitchen, or any room, from OLD to BOLD!

* The second APR will vary with Wall Street Journal Prime Rate (currently 3.25%) current as of January 3, 2012, with a maximum of 18.00% and a minimum of 2.99%. Offer is based upon loans less than $500,000, a review of your credit, and a loan to value (LTV) up to 90% on an owner-occupied primary residence. A minimum of $10,000 in new money and a First Commonwealth Bank checking account is required to obtain this rate and terms. No application or closing costs apply; however, an appraisal may be required with an estimated cost to the borrower of $200 to $500. An Early Termination Fee of $350 applies if your credit line is paid off and closes within 36 months of date of credit agreement for any reason, including the sale of your home or if you refinance. An Annual Fee of $25 will be charged to your credit line annually. Homeowner insurance is a requirement of lines of credit secured by home equity. Insurance need not be purchased from First Commonwealth Insurance Agency to obtain credit. Other rates and terms are available. Consult your tax advisor about the deductibility of interest. Offer subject to change or withdrawal at any time and may not be used with any other offer from First Commonwealth Bank.

† Monthly payment on $1,000 at 3.50% APR for 60 months is $18.19. For credit secured by a first lien on your dwelling, the payment does not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation would be greater. Offer is based upon loans less than $500,000, a review of your credit, and a loan to value (LTV) up to 80% on an owner-occupied primary residence and cannot be a purchase money mortgage. A minimum of $10,000 in new money and a First Commonwealth Bank checking account with direct debit payment is required to obtain this rate and terms. No application or closing costs apply; however, an appraisal may be required with an estimated cost to the borrower of $200 to $500. Homeowner insurance is a requirement of installment loans secured by home equity. Insurance need not be purchased from First Commonwealth Insurance Agency to obtain credit. Other rates and terms are available. Consult your tax advisor about the deductibility of interest. Offer subject to change or withdrawal at any time and may not be used with any other offer from First Commonwealth Bank.