Loans :: First Independent

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Flex Line
Make your home work for you - as a line of credit or loan - your choice. Access extra cash, purchase a vehicle, send the kids to college or remodel to meet your family’s needs.
First Independent offers several home equity lending options, including:
- Home equity lines of credit offer you the flexibility to take only the amount you need, when you need it at a competitive market rate.
- Home equity loans offer one amount at one rate for a set period of time.
- Or both, with Flex Line Home Equity Line of Credit.** Access the cash you need as a line of credit or take a portion of the line as a fixed rate loan.
And with our new Green Flex Line, get a 0.10% discount for planet-friendly purchases.

In some cases, the interest may be tax deductible. Check with your tax advisor to be sure. Make principal payments whenever you want, in any amount, at any time. Have payments automatically deducted from your First Independent deposit account for convenient, on-time payments.

Visit any First Independent banking center and ask about Flex Line or Green Flex Line. Or call us at 360.699.4293.
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Green Flex Line
Introducing Green Flex Line!

Just like our traditional Flex Line,** use the equity in your home as a loan with fixed rates and terms, or as a line of credit - or both. You decide. And now, get rewarded for being green.
With Green Flex Line, take an additional 0.10% off your loan rate when you purchase green friendly:
- Refinance of a HELOC or HE product from another institution that was used for Green Purposes
- Sustainable landscaping: www.clarkpublicutilities.com/ourenvironment/landscaping or www.redirectguide.com
- Energy efficient remodels: www.redirectguide.com
- Energy Star appliances: www.energystar.gov
- Solar, wind or other alternative energy source systems: www.clarkpublicutilities.com - Green Lights
- Fuel efficient vehicle with 35 or more MPG Highway: www.fueleconomy.gov
- Hybrid vehicle: www.fueleconomy.gov
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Loans

Personal & Vehicle Loans

First Independent offers flexible personal lending packages for new or previously owned vehicles, college tuition, dream vacations and much more.

Whether new, or new to you. First Independent offers flexible personal lending packages for new or previously owned vehicles, boats and RVs.

Visit any First Independent banking center to get started. Or call us at 360.699.4293.

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Member FDIC. Equal Housing Lender

All loans and credit lines are subject to credit approval.
** This home equity line of credit includes both variable rate advances and a fixed rate loan option. The Annual Percentage Rate (APR) for variable rate advances is as low as Wall Street Journal (WSJ) Prime Rate – 0.75. Depending on borrower credit worthiness and combined loan to value ratio (CLTV), variable rate advances may range from WSJ Prime – 0.75%, which is 4.00% as of 12/30/08 to WSJ Prime + 1.0%. Rate may vary, but never to exceed 25.00% APR. The APR as of the same date for fixed rate loans is as low as 6.64%. APR may be higher for other loan amounts, CLTVs and credit qualifications. Fixed rate option conversion fee of $50 per conversion (waived if fixed rate loan is requested at HELOC origination). Auto pay from a First Independent account required. If auto pay is cancelled, the APR will increase by 0.25%. Annual fee of $50 after the first year. Credit line not to exceed 85% of market value as determined by an independent third party. Property and title insurance required. Flood insurance required where necessary. Prepayment penalties, other restrictions and fees may apply. Rates and terms subject to change without notice. Best rate based on a Flex Line loan with $25,000 minimum draw. Also requires opening a Choice or Choice Plus checking account with Auto Pay and Platinum Debit Card. Green Flex Line 0.10% discount requires proof of purchase of environmentally friendly items. Subject to credit approval.