men putting a new roof on a house

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.

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

Rates & terms

Learn more about our rates and terms
Loan terms to fit with your financial picture

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
  • Benefit from tax deductible interest, based on tax bracket*
  • Pay no closing costs for a HELOC, but you may be required to pay for an appraisal or title policy, depending on line amount

Apply online, over the phone or in-person

With 26 convenient West Michigan branch locations and an easy to use online application, no matter how you want to apply, we will be convenient for you.

We have two types of applications. Let’s get you started on the right one: 

Home Equity type 1:   Refinancing your existing home debt or financing home improvements? Use this Home Equity Loan application.

Home Equity type 2:  For any other purpose, like an automobile purchase, debt consolidation, a vacation or any purchase not related to home improvements, use this Home Equity Loan application. 


Talk to an expert today. Call us at (877) 820-2265.  

Macatawa Bank's primary lending area 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. 

What borrowers need to know . . . 

Credit granting criteria
Terms & conditions for Home Equity Line of Credit
Your home loan toolkit: A step-by step guide
NMLS consumer access

Let's talk

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.  * = Required field.

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