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ROUTING # 281076730

Home Equity Lines of Credit

Home Equity Lines of Credit

Making your dream a reality

Your home's equity is a simple solution if you're looking to make home improvements, consolidate debt, make college tuition payments or be prepared for unexpected expenses. With an introductory rate of 4.99% APR*, it's more affordable than ever! Plus, you'll pay no closing costs and enjoy low payments.

With our low rates, what are you waiting for?

Home Equity Lines of Credit Rates

Rates effective as of 1/16/2025
Loan TypeAPRTermPayment per $1000
Variable Rate (Up to 80% combined loan to value)4.99%180 Monthsn/a

4.99% APR is an introductory rate being offered for 12 months for a limited time. After 12 months, rate will adjust to variable rate, set at prime rate, or minimum of 4.00% APR. Approval subject to credit worthiness. Minimum loan amount is $5,000.00. Maximum loan amount $250,000. Maximum loan-to-value is 80%. Equity can be accessed over 7 year draw period. No appraisal required, but if needed, member will pay for cost of appraisal.

Access your home’s equity with ease and at reasonable rates with us. Your home’s equity can be used in many ways!

  • Home improvements
  • Unexpected expenses
  • Debt consolidation
  • Vacation
  • College tuition or student loan consolidation
  • Or other major expenses

1st MidAmerica offers low rates and affordable monthly payments with extended terms. You can access the cash over several years.

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About 1st MidAmerica

As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances.

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