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HELOC Promotion

Great Rates to Borrow Only What You Need

Consolidating your bills has never been more affordable than with our low Home Equity Line of Credit rates. Don't miss this opportunity to borrow only what you need at a rate you can afford.

Home Equity Line Of Credit Rate Box

Our FlexChoice solution gives you control and flexibility, whether you're consolidating bills, embarking on a home improvement project, funding a new car, or looking to refinance your home loan.

Benefits

Convenience

  • Lock in your rate on up to 100% of your credit line – anytime!
  • Quick approval process
  • Closing when and where you want
  • Your choice of flexible payment options: Interest-only OR Principal-reduction
  • Easy access: write a check or access your account online
  • Manage your account from your home, office…anywhere, anytime

Savings

  • Competitive rates
  • Credit lines beginning at $10,000
  • Free checks

Control

  • Easy-to-understand terms
  • Simple, easy-to-read statement
  • Use as a revolving line of credit for yourself: as your FlexChoice account is repaid, funds are immediately available for other purposes you have in mind

Getting Started is Easy


1After the 0.00% Annual Percentage Rate (APR) 3-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime Rate (3.75% current as of December 15, 2016) plus or minus a margin with a minimum of 2.99% and maximum rate of 18%. Prime may change at any time and is subject to change without notice. The introductory period begins on the date of account opening. After the introductory period ends, any and all remaining balances will automatically convert to the variable APR per the terms of the HELOC agreement. Offer is based upon loans up to $500,000, a loan to value less than 90% on an owner-occupied primary residence, subject to credit approval, and cannot be a purchase money mortgage. Offer does not apply to interest only home equity lines of credit. In order to receive the offered rate, a minimum of $10,000 in new money and direct debit of loan payment from a First Commonwealth Bank checking account is required. An appraisal fee, if required, will be assessed and will range from $78 to $500. An early termination fee may apply. An Annual Fee of $25 will be charged to your credit line. Taxes and property insurance are always required and flood insurance is required where necessary. Consult your tax advisor about the deductibility of interest. Other rates and terms are available. Offer subject to change or withdrawal at any time.

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