Home Equity Line of Credit (HELOC) Rate Special
5.49%APR1
6-month Intro period
PLUS $250 off closing costs
All loans subject to credit approval. Applications must be received by 05/31/26.
Extra Funds Aren't Far Away With a Home Equity Line of Credit
THEY'RE RIGHT HERE AT HOME
Get the financing you need at an affordable rate.
Use the equity in your home whenever, wherever - for things like:
- Home improvements
- Debt consolidation
- Funding an investment
- That new boat for the family
The possibilities are endless! Apply Today.
After the introductory period, APR is variable and adjusts to standard HELOC rate.
Currently, those APRs are as follows:
| Loan to Value | APR with autopay | APR without autopay |
|---|---|---|
| 80% and below | 6.75% | 7.75% |
| 80.01% - 85.00% | 7.00% | 8.00% |
| 85.01 - 90.00% | 7.25% | 8.25% |
APR is based on Wall Street Journal Index plus margin.
APR will not go below 5.00% (floor) or exceed 21.00% for CO, IA, MN & WI borrowers.
1The introductory APR (Annual Percentage Rate) and closing cost credit are available for applications submitted 03/01/2026 to 05/31/2026 on applicant’s primary or secondary 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 loan to value at loan closing. Minimum of $10,000.00 new credit line required. Any time autopay is discontinued the APR will increase by 1.00%. Estimated closing costs range from $50.00 to $903.00 and fees may vary by state and loan amount. 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.
How does a HELOC work?
A Home Equity Line of Credit limit is determined by taking the value of your home and subtracting the amount of your outstanding mortgage balance, this equals the equity amount that you have in your home. Most banks will allow you to borrow up to 90% of the equity you have in your home. For example:
- Your home appraises for $400,000
- You have $250,000 left to pay on your mortgage
- There is a $150,000 difference in your home’s appraisal value and the amount you owe on your mortgage
- You can borrow up to $110,000, which is 90% of the loan to value ratio
Find out how much your home can qualify for on a Home Equity Line of Credit.
Apply today Contact a bankerSecure this Special HELOC Intro Rate Before it Expires!
Fund big purchases using the equity in your home with this low 5.49% APR1 for 6 months!
Apply online below to get started today or contact a MidWestOne Banker.
All loans subject to credit approval.