Father cooking in his new kitchen with his children 

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.


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






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    • Disclosures and borrower information
    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.

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