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HELOC Rate Special

Remodel the kitchen or decorate the garage.

Our Home Equity Line of Credit is ideal for funding home repairs – or nearly anything else.

Use a HELOC to:

  • Renovate your home
  • Pay for college
  • Take a dream vacation
  • Consolidate debt
  • ... and more! Find complete details here.

Use your HELOC whenever and wherever MasterCard® is accepted with the Equity Access MasterCard® debit card.


If an auto loan is all you need, we can help you add an extra four doors to your garage.


*3.99% APR (Annual Percentage Rate) is fixed for 12 months, then the rate will reprice to standard Home Equity Line of Credit (HELOC) rates that are variable and subject to change based on published fluctuations in the Wall Street Journal Prime Rate. Current PRIME Rate effective December 15, 2018, is 5.25%. Maximum Annual Percentage Rate (APR) is 25%. To receive this offer, loan to value must be 89.99% or less with a credit score of 700 and above. Homeowners insurance is required. Owner occupied properties only. Offer valid on applications received on or before March 31, 2019. Annual fee of $75 is waived the first year. Normal credit underwriting standards apply. Refinance of existing First Merchants Bank HELOC requires minimum increase of credit line by $20,000.

**First Merchants Bank auto loan is subject to credit approval.

Ready to find out your options?

Get started with your application online or call 1.800.205.3464.