open window of window of opportunity.

If you look around your home and see all the things you’d love to do, that’s where your current Community First Home Equity Line of Credit (HELOC) can help. 


How much you put into home improvements today can be worth the investment down the road.
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Use your HELOC Credit Card

Accessing your line when you need it is quick and easy! Simply use your HELOC card anywhere Visa® is accepted.

  • Home improvement stores

  • Electronics & appliance stores

  • General houseware stores

  • Service providers

  • Online retailer

Compare our rate to these common store cards.

Rates are lower than they’ve been in years, making it a more affordable option compared to other credit cards.

Home Equity Line of Credit
TypeTermAPR1 (as low as)Monthly Payment2
Line of Credit 3up to 10 year draw period4.000$15.00



Amazon store card.

26.99% APR4


Best Buy store card.

25.24% APR4


Home Depot store card.

17.99% APR4


Target Redcard store card.

17.99% APR4

Comparison of Annual Percentage Rates (APR) as of 6/15/2021 and subject to change. Lowe's™ is a registered trademark of  Lowe's Company Inc. Best Buy™ is a registered trademark of Best Buy Properties. The Home Depot® is a registered trademark of Home Depot Product Authority, LLC. Capital One® Walmart Rewards™ Mastercard is a registered trademark of Capital One.

Breathe easier by consolidating bills.

Use your HELOC to turn multiple payments into one, making them a whole lot easier to manage. Want to know what that payment could be or how much consolidating can save you? Use the calculator below.


Need a hand?

If you need a new card, have questions or would like to work with someone in person, we’re here for you.

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