Home Equity Line of Credit - HELOC

Put your home’s value
to work for you.

Your home isn’t just where you live—it’s also one of your most valuable financial tools. With a Home Equity Line of Credit (HELOC) from First Reliance Bank, you can tap into the equity you’ve built to pay for life’s big moments or manage unexpected expenses—with flexibility, control, and confidence.

A HELOC gives you access to a revolving line of credit, similar to a credit card, but with lower interest rates and the added benefit of being backed by the equity in your home. Use it as you need it, pay interest only on what you borrow, and reuse the line as you repay it.

First Reliance Bank/Personal/Personal Borrowing/Home Equity Line of Credit – HELOC
Person signing for a Home Equity Line of Credit, also known as a HELOC

What Makes Our HELOC Different?

Whether you’re planning a kitchen remodel or covering college tuition, a HELOC offers a smart and convenient way to make the most of your home’s value. Our lending specialists will walk you through the process and help you understand how a HELOC can fit into your overall financial plan.

  • Access funds as needed—great for ongoing or flexible expenses
  • Interest-only payments during the draw period
  • Competitive variable interest rates
  • Flexible repayment options
  • Use it again and again as you repay principal

Common Uses for a HELOC:

  • Home renovations and repairs
  • College tuition or education costs
  • Debt consolidation
  • Medical bills or emergencies

Your home has value—put it to work. Contact us today or stop by your local First Reliance Bank branch to learn more.

*Subject to credit approval. You will be required to maintain property insurance. Consult a tax advisor regarding potential deductibility of interest.

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