• 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 1.99%* APR
    for 12 months

    Then a variable rate
    as low as Prime + 0.95%*
    currently 4.45% APR

    FREE $100 VISA® GIFT CARD** after you close

  • Get Started Now

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  • * Rate offer is good for applications taken April 1, 2016, through June 30, 2016 and the HELOC must be closed by August 31, 2016. All lines are subject to credit and collateral approval. Some restrictions apply. Fixed introductory rate of 1.99% is good for 12 months from closing date. After the introductory period, then a variable Annual Percentage Rate (APR) will apply and may be as low as the Prime Rate plus 0.95%. To obtain the advertised introductory rate, the line of credit must be secured by a 1st or 2nd lien on your primary residence, have a minimum line amount of $25,000, and a minimum draw at closing of $20,000. To obtain the advertised rate after the introductory period, your line of credit may not exceed $417,000, the CLTV must be less than 80%, the line of credit must not be used to purchase a residence, you must have a minimum FICO score of 720, and authorize auto-debit of the regular HELOC monthly payment from a new or existing First Tennessee deposit account. New lines for less than $25,000 will be subject to a Commitment Fee of $500. Your APR after the introductory period may be higher or lower than the advertised rate based on lien position, CLTV, credit history and other factors. Your APR after the introductory period can vary monthly based on the Prime Rate published daily in The Wall Street Journal. The Prime Rate was 3.50% as of March 10, 2016. Your rate can never exceed 21% APR. All lines are subject to an Annual Fee up to $50. An early Termination Fee of the lesser of $500 or 2% of the initial 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 HELOC gift card bonus per household. To receive the $100 Visa® gift card, you must apply between April 1, 2016 and June 30, 2016, mention this offer and close a First Tennessee home equity line of credit by August 31, 2016 (geographic, product and other restrictions apply). The offer does not apply to installment loans. The Visa® gift card will be mailed to you approximately four weeks after you’ve closed on your line, and may be reported as income on Form 1099-Misc. Visa® is not a sponsor of this promotion. The Visa® gift card is a prepaid card welcomed anywhere in the U.S. where Visa® debit cards are accepted.

    Loan Specialist: Please use promo code VISHLC for the $100 Visa® Gift Card promotion. Enter the InStep number into the Coupon Redemption system after closing.

    ©2016 First Tennessee Bank National Association. Member FDIC. www.firsttennessee.com