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Leverage your home to realize your dreams.

Turn your home’s equity into cash to pay for home improvements, a vacation, college or more with a Home Equity Line of Credit (HELOC) from First Merchants Bank. Now with a 6-month introductory rate, there has never been a better time to borrow.

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Use a HELOC to:

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

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

Open a HELOC today!

A HELOC is a flexible, affordable, convenient and smart way to borrow. Talk to one of our knowledgeable bankers today to learn how a HELOC can help you realize your dreams. Call 1.800.205.3464 or visit a banking center!



* Annual Percentage Rate (APR) after 6 months, the promotional rate will revert to the Prime Lending Rate or the Prime Lending Rate plus a margin. 4.00 % APR as of 4/1/2017 with a minimum credit score of 700 and maximum 80% loan to value ratio. Rates after promotional period will range between Prime and Prime + 2% APR depending on credit score and loan to value ratio. Home Equity Line of Credit rates are variable and subject to change based on fluctuations in the Wall Street Journal Prime Rate. Maximum 25% APR. Homeowners insurance required. Promotional Introduction Offer valid on applications received on or before 6/30/2017, for credit scores 660 and above, for new HELOC or with an increase of an existing First Merchants Bank HELOC of $20,000 or more with maximum combined loan to value of 89.9%. $75 annual fee is waived the first year. Normal credit underwriting standards apply.

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