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Home Equity Lines of Credit

Home Equity Lines of Credit

A Home Equity Line of Credit (HELOC) is a convenient and cost-efficient way to borrow money for almost any purpose. You’ll get the flexibility to pay down your credit line and access funds as you need them.

Use a HELOC to help pay for:

  • Home improvement
  • Unexpected expenses
  • Debt consolidation
  • Medical expenses
  • Vacations
  • And, much more!

For more information contact your personal banker.

Please bring your application to a branch.

Helpful Resources

OUR HOME EQUITY LINE OF CREDIT RATES ARE VARIABLE. TODAY, THOSE RATES COULD BE AS LOW AS:

AMOUNT

APR1

$5,000 – $49,999

7.89%

$50,000 – $99,999

7.50%

$100,000 - $249,999

7.40%

Learn How a HELOC Can Help You Reach Your Goals.

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SAVINGS

Save for life's big moments…

CREDIT CARDS

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SMALL BUSINESS LENDING

Give your business possibilities

1. Home Equity Line of Credit. The Annual Percentage Rates (APRs) are accurate as of 3/26/2025.  The total term of the Home Equity Line of Credit (HELOC) is 300 months.  During the first 10 years, the “Draw Period”, the APR is a variable rate based on an index of the higher Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”), plus a margin based on the amount of the line.  On 3/26/2025, the WSJ Prime Rate was 7.50% resulting in the following APRs:  $5,000 - $49,999:  7.89% (Prime + .39%), $50,000 - $99,999: 7.50% (Prime + 0%), $100,000 - $249,999:  7.40% (Prime - .10%, or the floor rate whichever is greater). During the “Repayment Period”, the remaining 15 years, the APR is a variable rate based on the WSJ Prime plus same margin as the Draw Period. The minimum APR is 3.25% (floor rate) and the maximum APR is 25.00%. During the Repayment Period, monthly principal and interest payments will be required to fully amortize the loan. HELOCs $250,000 and up have a 5 year Draw Period followed by a 15 year repayment period. There is an annual fee of $75 charged during the Draw Period, but it will be waived for the first year. Offer applies to lines secured by owner occupied, one-to-four-family residences with a maximum of 80% Loan to Value (LTV).  Offer is not available for purchase money loans.  Property insurance required and flood insurance may be required.  Consult a tax advisor regarding the deductibility of interest. An early termination fee of 1% or 2% of the principal balance, depending on lien position, up to $250 will be charged if account is closed within 36 months of the loan date. No early termination fee in Wisconsin. There may be certain third party fees for entities such as appraisers, credit reporting firms, title companies, and government agencies to open the account, which generally total between $0.00 and $2,500.00.  Additional third party fees may apply to property located in any state that is not IL, IN, MI or WI, property held in a Land Trust, and/or any purchase money transactions. These fees may be higher than $2,500.00. Pricing shown assumes borrower meets underwriting guidelines and a minimum credit score of 760, otherwise a higher APR may apply or credit may not be available.  See your loan officer for details.