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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.


*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 June 28, 2019, is 5.50%. 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 September 30, 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. Offer subject to change or cancellation without notice.

How can we help?

Have questions or need assistance? Just give us a call at 1.800.205.3464. Our Customer Service team is available weekdays from 7 a.m. until 8 p.m. ET, and from 9 a.m. until 3 p.m. ET on Saturdays.

Looking for a different number or an online form? Find it on our contact page.