• 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 4.20% APR

    FREE $100 VISA GIFT CARD** after you close

  • Get Started Now

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  • * Rate offer good for applications taken April 1, 2015 through June 30, 2015 and the HELOC must be closed by August 14, 2015. 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 introductory period, the go to variable Annual Percentage Rate (APR) may be as low as Prime plus 0.95%. 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, is not used to purchase a 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. Advertised rate only applies to line amounts less than $417,000. New HELOCs for less than $25,000 will be subject to a Commitment Fee of $500. Your APR after the intro period may be higher or lower than the advertised rate based on lien position, 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 March 6, 2015. 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, 2015 and June 30, 2015, mention this offer and close a First Tennessee home equity line of credit by August 14, 2015 (geographic and product 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 loan, and may be reported as income on Form 1099-Misc. Visa is not a sponsor of this promotion. he Visa Gift card is a prepaid card welcome everywhere 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.

    ©2015 First Tennessee Bank National Association. Member FDIC. www.firsttennessee.com