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Home Equity Lines of Credit

Home Equity Lines of Credit

Upgrades that fit your budget

For a limited time only, receive a $150 Visa gift card when you open a home equity loan*!

Make those upgrades to your home that you’ve always wanted. It’s easy and affordable with a home equity loan.  With a variety of terms and rates, your home’s equity can be used in many ways.

Plus, receive up to a $150 Visa gift card when you open a home equity loan for a limited time! Visit any branch to get started or apply online today!

*Offer valid from April 15 - May 18, 2019. $150 Visa Gift card at closing for any home equity line over $25,000 that applies during the promotional period. Approval subject to credit worthiness.Minimum loan amount is $5,000.00. Maximum loan-to-value is 90%. Fixed rate home equity line of credit has a draw period of 24 months. Fixed rate as low as 5.49% APR for a term of 120 months, up to 80% loan-to-value, available for a monthly payment of $10.85 per $1,000 borrowed. Fixed rate as low as 5.99% APRfor a term of 180 months, up to 80% loan-to-value, available for a monthly payment of $8.43 per $1,000 borrowed. Additional terms available. Estimated closing costs typically range from $150 - $350 depending upon geographic location and do not include the cost of appraisal if one is needed. Membership requirements apply. Federally insured by NCUA.

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 with a variable rate or you can choose to lock in a rate and shorten the access period to your funds.

See current rates.

Loan Applications.

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.

Read more about us