• Get great rates and a bonus!

    There's no better time to put money in your house to work for you with a Home Equity Line of Credit.


    Intro rate of 2.25% APR
    for 12 months

    Then a variable rate
    as low as Prime + 1.00%
    currently 4.25% APR

    FREE $200 VISA GIFT CARD††after you close

  • Get Started Now

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  • † Rate offer good for applications taken April 1, 2014 through June 30, 2014 and the HELOC must be closed by July 31, 2014. All lines are subject to credit and collateral approval. Fixed introductory rate of 2.25% is good for 12 months from closing date. After introductory period, the go to variable APR may be as low as Prime plus 1%. To obtain the advertised intro rate and rate thereafter, the CLTV must be 80% or less, the loan must be secured by a 1st or 2nd lien on your primary residence, you must have a minimum FICO of 720, an auto-debit of the regular HELOC monthly payment from a new or existing FT deposit account, and a minimum line amount of $25,000. There is a no closing cost option that applies to line amounts of $25,000 or more. New HELOCs for less than $25,000 will be subject to a Commitment Fee of $500 and will not qualify for the advertised rates. Your APR after the Intro period may be higher or lower than the advertised rate based on CLTV, credit history and other factors. Your APR after the Intro period can vary monthly based on the Prime Rate published daily in The Wall Street Journal. Prime was 3.25% as of February 28, 2014. Your rate can never exceed 21% APR. All lines are subject to a $50 Annual Fee. An early Termination Fee of the lesser of $500 or 2% of the credit limit will be charged for lines closed within 36 months for reasons other than refinance with First Tennessee or direct physical loss or damage of property. Direct physical loss or property damage does not include normal wear and tear or progressive deterioration. Property insurance required and flood insurance where necessary.

    † Limit one gift card bonus per household. To receive $200 in Visa Gift cards, you must apply between April 1, 2014 and June 30, 2014, mention this offer, and open a First Tennessee real estate secured loan or home equity line of credit (geographic and product restrictions apply). The offer does not apply to loans originated by Quicken® Loans®. The Visa Gift cards will be mailed to you approximately four weeks after you've closed on your loan. Visa is not a sponsor of this promotion. The Visa Gift card is a prepaid card welcome anywhere in the U.S. Visa Debit cards are accepted.

    FSR: Please use promo code HLC200 for the $200 Visa Gift Card promotion. Enter the InStep number into the Coupon Redemption system after closing.

    ©2014 First Tennessee Bank National Association. Member FDIC. www.firsttennessee.com