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Using 7% HELOC to Pay off a 3% Mortgage?Contact Republic Bank for current rates. All loans offered through Republic Bank of Chicago. Offer may be withdrawn at any time without notice. The people. Loan Rates. Cash Reserve. Overdraft Protection Line of Credit Minimum loan Fulton Bank, N.A., is the successor to Republic First Bank d/b/a Republic. Home equity lines of credit and home equity loans with no closing costs or hidden fees. Review current home equity rates and see how you can.