HELOC Special Offer
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Here for Life's Moments
Life doesn't happen all at once. It unfolds in moments. Some are planned, some surprise us and many begin at home. A home equity line of credit (HELOC) helps you be ready for what's next. Consider a HELOC from First National Bank! With a limited time, up to $450 off your processing fees*, you'll have peace of mind knowing you can access the funds when you need them.
The HELOC is structured as a 15-year variable-rate line of credit, allowing you to apply once and borrow as needed throughout the term. Fixed-rate options are also available for 5-year terms. You can access your HELOC at any time through online or mobile banking transfers, automatic overdraft protection transfers, or by calling or visiting the bank - it’s that easy!
HELOC Features
- We'll take care of your processing fees up to $450*, during the promotional period.
- Access funds when you need them
- Revolving line of credit - allows you to borrow and pay down, then borrow again as needed.
- Monthly repayment amount based on outstanding balance
- Credit available up to 90% of your combined loan to value.
- Interest may be tax deductible (Consult your tax advisor)
- Homeowner's insurance is required
Use Your HELOC for:
- Home Improvements
- Landscaping
- Remodeling
- And More!
Apply Today!
Use our easy online application or call or visit us at one of our convenient locations!
Apply Online
Contact Us
Contact one of our Home Equity specialists today:
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Call us at (515) 232-5561
Email us at [email protected]
Book an appointment online
NMLS #447068
*This promotional offer is available for new applications submitted from April 1, 2026, through September 30, 2026. Your approval rate and credit limit will be based upon your creditworthiness and property value. The maximum amount of total loans with us, and others, including this request, may not exceed 90% of your property’s value. You will be required to maintain property insurance. Consult a tax advisor regarding potential deductibility of interest. Fixed rate lines are available at 8.24% Annual Percentage Rate (APR) and 8.49% APR. Variable rate lines are available, ranging from 6.75% APR to 7.50% APR (based upon the Prime Rate as the index as published in the Wall Street Journal plus a margin) as of March 16, 2026, and is subject to change without notice. These rates may change due to an increase or decrease in the Prime Rate, however, it will never be less than 4.00% APR, or more than 21.00% APR. Applies to owner-occupied residential real estate only.
Processing fees include flood report, title search, credit report, mortgage release fee, origination fee and recording fees; First National Bank will pay up to $450 toward these costs. Not to exceed actual processing fees. The borrower will be responsible for evaluation or appraisal fees (if required), which range from $175-$550. No application, annual, or non-use fees associated with this product.
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