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Home Equity Line of Credit


6-month Intro APR1

with autopay from a MidWestOne deposit account.

Applications must be received from 9/1/21 through 10/31/21.


Fixed Rate Repayment APR2

with autopay from a MidWestOne deposit account.

Available from 9/1/21 through 10/31/21 only.

and up to $250 credit1
towards closing costs.

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


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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.


1 The introductory APR (Annual Percentage Rate) and closing cost credit are available for applications submitted 9/1/2021 to 10/31/2021 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.

2 Fixed Rate Repayment Option is available 9/1/2021 thru 10/31/2021. Your variable APR (Annual Percentage Rate) Home Equity Line of Credit (HELOC) terms remain the same and no terms are changed by use of the FRRO. Term of the FRRO may not exceed the term of the HELOC. No more than three (3) FRROs outstanding at any one time per HELOC. Repayment can be up to ten years (fifteen years depending upon the loan amount) or the remaining Draw Period of the HELOC if less; term of FRRO cannot be less than one year. Minimum amount that can be fixed is $5,000. No amount can be added to the FRRO after it is established. Each FRRO will have a payment amount determined by applying the rate to the amount for the term and producing equal monthly payments over the term of the FRRO. The unpaid principal balance is part of the maximum HELOC Credit Limit, and any principal portion of each payment will replenish the HELOC credit limit as of the date a payment is posted. Lock fee may apply and will be included in the FRRO amount. FRROs will be billed separately from variable rate advances and payments will include principal and interest. See a banker to discuss your options and to apply.

**Reflects floor rate.

Put your home's equity to work for you.

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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.

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

All loans subject to credit approval.

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Mature adult male assembling his kitchen after financing his project with a HELOC loan from MidWestOne Bank.