Skip to Content

Home Equity Line of Credit


6-month Intro APR1

with autopay from a MidWestOne deposit account.


Fixed Rate Repayment APR1,2

with autopay from a MidWestOne deposit account.

and up to $250 credit1
towards closing costs.

Special introductory rates available for a limited time! See details below. 

All loans subject to credit approval. Applications must be received from 9/1/20 through 9/30/20.

Apply today


After the introductory period, APR is variable and adjusts to standard HELOC rate. Currently, those APRs are as follows:
Credit Limit TiersAPR without
APR with
$5,000 to $24,999.99



$25,000 to $49,999.99



$50,000 to $74,999.99



$75,000 to $99,999.99



$100,000 and over



APR is based on Wall Street Journal Index plus margin. APR will not go below 4.00% (floor) or exceed 18.00% for FL borrowers and 21.00% for CO, IA, MN & WI borrowers.


1The introductory APR (Annual Percentage Rate) and closing cost credit are available for applications submitted 09/01/2020 to 09/30/2020 on applicant’s primary residence only. Collateral must not be listed for sale to receive this promo. Following the introductory period the APR is variable based on the index, margin and applicable credit limit tiers. Minimum of $5,000 new credit line required. Any time autopay is discontinued the APR will increase by 1.00%. Estimated closing costs range from $196 to $800 and fees may vary by state. Homeowners insurance is required. Flood insurance is required, if applicable. This offer is subject to change without notice and this special may not be combined with any other promotional offer. Subject to credit approval and property eligibility.

2Your variable rate Home Equity Line of Credit (HELOC) terms remain the same and no terms are changed by use of the Fixed Rate Repayment Option (FRRO). FRRO term may not exceed the term of the HELOC. Maximum of three (3) FRROs allowed per HELOC. Lock fee may apply. See a banker to discuss your FRRO options and to Apply.

**Reflects floor rate.

Put your home's equity to work for you.

Checking Icon

home Improvements

Fund your dream kitchen, bathroom remodel and misc. repairs.


Consolidate Debit

Simplify your debt into one affordable monthly payment .


Save Money

Pay off higher-interest debt and lower your monthly payments.

Get started.

Apply online or contact a MidWestOne Banker to get started today.

All loans subject to credit approval.

Contact a banker

Apply today

placeholder image