Unlock possibilities with a HELOC.

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.

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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!


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* 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.