German American Bank
Draw What You Need, When You Need It
Smartest Home EquityLine of Credit
Sometimes the smartest way to finance your goals and dreams is to utilize equity in your home. When the time is right, you’ll be ready with German American Bank’s Smartest Home Equity Line of Credit.
Since it’s a revolving line of credit, you need only apply once, and you’ll only pay interest on the amount you draw.
Limited-time offer: Enjoy 0.00% APR for 90 days and 6.75% APR variable thereafter,* plus no annual fee.
Why Choose German American Bank?
One of the most convenient lending solutions.
Tap into your HELOC and get the flexibility to finance a big project,
fund the “Bid Day,” or even consolidate debt.
Automatic Payments
Option to have payments automatically deducted from your checking account.
Low Interest Rates
Lower interest rates than conventional consumer loans that are also tax-deductible.
Detailed Statements
Free check writing (up to four per month), plus detailed monthly account statements.
Ready to Apply?
Discover the untapped potential of your HELOC with German American Bank!
Curious about other uses of a HELOC, requirements, or other products offered by German American Bank? Visit us online to discover how much you can borrow with our HELOC calculator and other resources!
*Annual percentage rate is accurate as of 01/30/26 and applies to new home equity accounts. 0.00% APR for first 90 days is only available for newly advanced money. Other conditions apply. Ask us for details. Only available for borrower’s primary dwelling. The annual percentage rate in effect is 6.75% with loan-to-value of 80% or less and a credit score of 720 or above. If your credit score is lower than 720 and/or your loan-to-value is higher, your interest rate may be higher. Rate is variable and subject to change. APR will not exceed 21% or the maximum rate allowed by applicable law. No annual fee. Subject to credit and underwriting approval. Property insurance is required. If your line closes within 24 months from the opening date, you will have to pay a $399 early termination fee. Available in the German American Bank market only. Other stipulations may be required.