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Home Equity Lines of Credit Special Offer

Prime minus .51% for the life of the loan!*

Need to fix up the house, want to take a vacation or maybe you’re looking for a way to pay for college? Do it all and more with a Home Equity Line of Credit from First Merchants Bank. Use your HELOC whenever and wherever MasterCard® is accepted with the Equity Access MasterCard® debit card.

Get more out of your home’s equity!


Now with great low rates below prime for the entire life of the loan, there has never been a better time to get the most out of your home’s equity! Use a HELOC to:

  • Fix up your home
  • Pay for college
  • Take a dream vacation
  • Consolidate your debt
  • And more!

Borrow the smart way.

Talk to one of our knowledgeable bankers today to discover why a HELOC is right for you.

  • Flexible – Ideal for home improvements, college tuition, and more
  • Affordable – Special pricing for the life of the loan with no closing costs
  • Smart – The interest you pay may be tax-deductible
    (Not to be construed as tax advice. Please consult your attorney or tax adviser)

Open a HELOC today!

Call 1.800.205.3464 or visit a banking center!


What is a Home Equity Line of Credit (HELOC)?

What do I need to know about a HELOC?

What's the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)?

What are approved uses of a Home Equity Loan or Home Equity Line of Credit (HELOC)?

What does “loan to value” ratio mean, and how does it affect my Home Equity Loan or Home Equity Line of Credit (HELOC) rates?

How can I access my Home Equity Line of Credit funds?

How many times may I access my Home Equity Line of Credit funds?


* Home Equity Line of Credit (HELOC) rates are variable and subject to change based on published fluctuations in the Wall Street Journal Prime Rate. For initial advances of $50,000 or more (for new loan balances) the rate is PRIME minus .51%, and for initial advances of $25,000 to $49,999 (for new loan balances) the rate is PRIME minus .26% for the life of the loan. Current PRIME Rate effective July 1, 2016 is 3.50%. Maximum APR is 25%. To receive this offer, loan to value must be 80% 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, 2016. Annual fee of $75 is waived the first year. Normal credit underwriting standards apply. Refinance of existing FMB HELOC requires minimum increase of credit line by $10,000.

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