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Home Equity Line of Credit

Set up once, use again and again.



A Home Equity Line of Credit (HELOC) gives you easy access to funds you need.

Check out the advantages of a Home Equity Line of Credit

  • Make affordable interest only payments
  • Access funds easily with provided checks or by visiting a local branch or making an online transfer
  • Pay no closing costs for a HELOC, but you may be required to pay for an appraisal or title policy, depending on line amount

Popular uses for a HELOC

  • Home repairs (new roof, new furnace, etc)
  • Home remodels (new kitchens)
  • Emergency fund
  • Consolidation of debt (credit cards, vehicle loans, student loans)
  • New or used vehicle
  • Vacations
  • Second homes
  • Financing college expenses

Helpful resources

Annual percentage rate (APR) calculator
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Debt consolidation calculator
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Early payoff calculator
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Home equity process at a glance (PDF)




Apply today

Click the apply button to apply online, call us at (877) 820-2265 to apply over the phone, or fill out the form at the bottom of the page to request a consultation and talk through your options with one of our bankers.

Apply now for a HELOC

Request a consultation






You might also be interested in . . . 

  • Home Loans
  • Macatawa Bank Credit Card
  • Rewards or Rewards Plus Checking


    • Disclosures and borrower information

    is West Michigan. Online applications will be considered received on today’s business day if submitted during the course of the bank’s normal business hours;
    9am EST – 5pm EST Monday – Friday, excluding Federal Holidays
    9am EST – 12pm EST on Saturdays
    Applications received outside of this timeframe, including Federal Holidays and Sundays will be considered received the next business day.


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