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Your Home, Your Money: Unlock FSB's HELOC Special

Loan Details & Benefits | FAQsHow It Works

HELOC Special: 7.50%1 APR & No Closing Costs2

Experience financial flexibility like never before by leveraging your home’s value for renovations, investments, or any other project you've been wanting to tackle. With a 7.50%1 APR and no closing costs2, unlocking your home's value has never been easier. Act now—this limited-time offer ends on May 31, 2024!

Apply Online

Benefits of FSB's HELOC Special

Accessing your home's equity allows you to tap into the value you've built in your property with flexible financing options for renovations, debt consolidation, or major expenses.

  • 7.50% APR1: Enjoy lower monthly payments with a competitive rate
  • Flexible Payments: Pay off your loan on your terms, without worrying about pre-payment penalties
  • Personalized Customer Service: Get local support at every step of your journey—we're just a click away
  • No Closing Costs2: Skip the extra costs and enjoy a faster application process

Estimated Monthly Payments

See how much your estimated monthly payment would be with FSB's special HELOC promotion.

Amount Borrowed

Estimated Monthly Payments3








$50,000 $562.50
3Estimated principal and interest monthly payment examples based on 7.50% interest rate for 60 months. See full disclosure for qualifying details.

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What does the APR on a HELOC mean?

The 7.5% APR means that for the first 60 months, the interest on your Home Equity Line of Credit (HELOC) will be calculated at the fixed rate, providing a predictable monthly payment.

What is the minimum loan amount?

The promotion requires a minimum loan amount of $10,000 or an addition of at least $10,000 to an existing loan.

What happens at the end of the 60-month period?

After 60 months, the unpaid principal balance and accrued interest will be due as a balloon payment.

Is there a penalty for paying off my HELOC early?

You can pay off your HELOC early without any pre-payment penalties, giving you flexibility for the life of the loan.

What is required to apply for a HELOC?

To apply for the HELOC promotion, you must:

  • Be 18 years or older
  • Have proof of property insurance at closing
  • Have a minimum credit score of 700
  • Have a loan to value ratio of 85%

To receive no closing costs, an FSB checking account must be setup with auto-pay.

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Are there restrictions for using HELOC funds?

You can use the funds from your HELOC for various purposes, from home renovations to making investments.

However, it's important to note that the funds cannot be used to refinance an existing FSB loan unless you increase the new loan amount by at least an additional $10,000.

Are there any additional fees with a HELOC?

An annual maintenance fee of $15 will apply to your HELOC.

What happens if I need to refinance my HELOC?

Refinancing options are available, subject to approval. If you're considering refinancing your HELOC, please discuss your options with an FSB Consumer Lender.

Still Have Questions?

FSB's Consumer Lenders are here to help! Reach out for personalized guidance and answers to all your questions.

Contact FSB

Unlock Your Home’s Potential with a HELOC From FSB

Whether you're starting a new renovating project, consolidate debt, or finance a major purchase, FSB offers local support to help you throughout the process.

Steps to Applying for Your HELOC

  1. Start Your Application: To begin your journey, complete our quick application form indicating your loan preference and amount
  2. Connect with a Lender: A lender will contact you within one business day to discuss your needs and collect additional information
  3. Closing Process: On average, it takes about two weeks to finalize everything, making your funds available quickly

Online Application Form


1To qualify for a fixed rate Home Equity Line of Credit (HELOC) at 7.50%, with no closing costs, you must have a credit score of 700 or greater, a total loan to value ratio up to 85%, payments auto-debited from an FSB checking account and a minimum loan amount of $10,000. Loan proceeds cannot be used to refinance an existing FSB loan unless the new loan is increased a minimum of $10,000. The unpaid principal balance and accrued interest will be due as a balloon payment at maturity in 60 months for HELOCs, with $100 minimum monthly payment required. All other home equity loans will mature at 66 months. $100 minimum monthly payment required. Payment does not include taxes and insurance. Proof of property insurance is required at the time of closing. An annual maintenance fee of $15 will apply to HELOCs. Must be 18 years or older to apply. Loan subject to credit approval. Other rates, terms, and payment options are available. Promotion expires on 05/31/2024.
2No closing costs exclude abstract updating and/or attorney’s opinion, if necessary.

Experience Next Level Banking!

New FSB checking account customers can earn a $250 cash bonus4 by opening an eligible checking account with direct deposit.

Offer Details

4Qualifications and restrictions apply - click button for full disclosure.

All FSB Branches will be closed on Monday, May 27, in observance of Memorial Day.

For your banking needs, log in through online banking or use FSB's mobile banking app, FSB Now.

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