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Home Equity

Home equity products can be used for many purposes, including home improvements, college tuition and car purchases. They also can be low-cost loans because the interest rate is usually lower than credit cards, and the interest paid is often tax deductible (check with your tax advisor).

The equity refers to the difference between what is owed by the mortgage lender and the current market value of the property. If you owe $100,000 on your mortgage but your home is worth $250,000, your equity is $150,000.

First Central State Bank will develop a personalized financial plan to assist you in meeting your financial needs.

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Deposit and loan products offered by First Central State Bank, Member FDIC, Equal Housing Lender.
Beginning July 1, 2010 First Central State Bank will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after June 30, 2010, funds held in non-interest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules.

Home Equity

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