Lock in peace of mind with a Fixed-Rate Advance.
Turn your HELOC into predictable payments.
As a valued HELOC client, you can convert all or part of your variable-rate balance into a fixed interest rate, giving you predictable payments and peace of mind.
Why choose a Fixed-Rate Advance?
- Secure your rate: Lock in 7.25%* APR fixed for 3 years.
- Stay in control: Even if your HELOC variable rate rises, your Fixed-Rate Advance payment stays the same.
- Use it your way: Perfect for home renovations, debt consolidation, or future financial planning.
Visit your local First Bank branch in MO, IL, CA, or KS to get started today!
*As of December 11, 2025, the fixed Annual Percentage Rate (APR) of 7.25% is available for a 3-year home equity installment loan. The rate is based on the published Wall Street Journal Prime Rate that is in effect at the date of the conversion. Minimum lock amount is $5,000 ($5,001 for Illinois). Properties in California, Illinois, Kansas, and Nebraska are subject to a one-time $50 conversion fee. Each HELOC is limited to three (3) Fixed Rate Advances at any one time. Subject to credit approval and program guidelines.