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Home Equity Lines of Credit and Loans

Let your equity work for you.

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Home Equity Line of Credit1

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A home equity line of credit allows you to borrow money against a limit determined by the equity you’ve built through home ownership. You pay interest only on the amount you use. Take advantage of our current promotional rates: 2.49% Annual Percentage Rate (APR) fixed for 12 months, 4.99% APR fixed for 36 months and 5.99% APR fixed for 60 months with a variable rate of 6.50% - 8.00% APR thereafter.2, 3

Account Summary

  • Best for multiple purchases, ongoing use or projects with uncertain costs
  • Make purchases with a Visa┬« Debit Card, check or online transfer
  • Only pay interest on the amount you are using
  • Credit limit is determined by need, equity in home, income and credit score
  • Lower rates than personal loans or lines of credit
  • Interest rate reduction based on your First National Bank relationships
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Home Equity Loan

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A home equity loan allows you to borrow money against a limit determined by the equity you’ve built into your home. Our First National Home Equity Loans have competitive interest rates and a variety of payment terms to meet your needs.

Account Summary

  • Best for large, single purchases of a specific amount for predictable monthly payments
  • Loan amount is determined by need, equity in home, income and credit score
  • Lower rates than personal loans or lines of credit
  • Interest rate reduction based on your First National Bank relationships

Home Equity Rates

Click on the APR links for more information.

Calculate your ideal home equity options.

Use our interactive home equity calculators to compare interest rates, payments, and even estimate the maximum amount that can be borrowed.

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Important Information

1The Home Equity Line of Credit product is not available if the property is located in the State of Texas.

2Contact a Personal Banker for complete details and additional information. Annual Percentage Rates (APRs) are subject to change without notice. Terms and conditions based on approved credit.

3Offer applies to NE, IA, KS, MO, CO, IL, WI, WY and SD residents within the lending area. Consumer accounts only. Lines of credit are subject to approval. A minimum $10,000 credit line is required. You must carry insurance on the property that secures your account.

This Home Equity Line of Credit features a fixed introductory rate of 2.49% APR fixed for 12 months, 4.99% APR fixed for 36 months and 5.99% fixed for 60 months. After that, the APR is variable based on The Wall Street Journal prime rate (“WSP”) plus a margin. The amount of the margin depends on type of checking account, credit qualifications and appraised or tax-assessed value. As of January 2, 2019, variable rates range from 6.50% APR to 8.00% APR. The rate will never exceed 18% APR.

To open a line of credit, you must pay a $250 Loan Origination Fee for loans up to and including $150,000. You may also be required to pay the following third party fees: appraisal fees ranging from $410 to $1,515 for lines of credit from $150,001 to $249,999, and appraisal and title insurance fees of $1,210 to $2,515 for lines of credit from $250,000 to $500,000.