Low Rate Home Equity Loans

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Perfect for a one time expense, our fixed rate/term Home Equity Loan offers a fixed principal and interest payment.
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Loan Amounts
  • Up to 90% Loan to Value on owner-occupied properties for qualified borrowers
  • Minimum $5,000
  • Maximum $200,000 (For higher loan amounts, please contact us.)
Closing Costs
  • None, unless funds are to be used for a bridge loan. See FAQs for details.
Approval time
  • Usually within 24 hours pending appraisal & title
  • 5, 7, 10 & 15 year fixed
Payment Options
  • Direct Deposit with Automatic transfer
  • Payroll deduction†
  • Online Banking transfer
  • By mail or in person

Rates are based on the amount you borrow against the value of your home

Terms Up to 85% 85.01-90%
5 Year 4.74% APR 5.74% APR
7 Year 4.99% APR 5.99% APR
10 Year 5.24% APR 6.24% APR
15 Year 5.49% APR 6.49% APR
Payment Example & Calculator
Interest Rate: % APR


Loan Term: months
Loan Amount: $  
Monthly Payment: $
Change the fields above to calculate your payment.
Early Closure Fee
  • A fee up to $350 will be assessed if you pay off and close your Home Equity Loan within the first 36 months.
†Please email us or call 815-267-7700 to see if your employer offers payroll deduction.


For more information, e-mail or call our Real Estate Department at (815) 267-7716 or make an appointment.