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Great Rates on Home Equity Loans & Lines of Credit

The cash you need, when you need it. 

If you are looking to remodel your kitchen, consolidate debt, cover emergency expenses, or refinance your home equity loan from another institution, a Home Equity Loan or Line of Credit from First National Bank and Trust (FNBT) might be the perfect solution.

We make it easy to access your equity with a streamlined application process, fast approval and local decisions. At First National Bank and Trust our Home Equity Loans and Home Equity Lines of Credit (HELOC) also offer:

  • HELOC Rates as low as Prime minus 0.25%1

  • Fixed Home Equity loans as low as 3.49% APR2

  • No upfront fees

  • Fast approvals

  • Local lending decisions

Apply for Your Home Equity Loan Today!

Applying is easy! Start your home equity loan application online now, visit any of our convenient locations or call us at 800.667.4401 to discuss our home equity loan or line of credit rates that meet your needs!


Prefer to Talk to Someone in Person? No Problem!
(800) 667-4401
  HELOC1 Fixed Home Equity Loan2

Sample Loan Amounts

Current Annual Percentage Rate (APR)





Maximum Monthly Payment





Max Loan-to-Value (LTV)





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The Annual Percentage Rate (APR) for a First National Bank and Trust (FNBT) Home Equity Line of Credit is variable and tied to the Prime Rate as published in the Wall Street Journal (as of 04/13/2021 Prime Rate is 3.25%). Prime Rate is subject to change at any time. Your actual APR will depend upon your credit history, size of line, loan-to-value, owner occupancy, and will be determined when a credit decision is made. Maximum APR is 18%; minimum APR is 3%. Maximum LTV is 80% on an FNBT line of credit. Payment examples above require a credit score of 720 or better and LTV of up to 80% of an owner occupied property to qualify for the lowest rates. The term for an FNBT home equity line of credit (HELOC) is 10 years. Paying only your minimum payment will repay less than the outstanding balance at the end of the 10 year term. The annual fee for an FNBT home equity line of credit is $50.

If you received an Advance of $10,000 on a $50,000 HELOC, made only the minimum monthly payments and took no other credit advances, it would take 120 months to pay off a credit advance of $10,000 at an APR of 3.00%. During that period, you would make 119 monthly payments of $25.00 followed by one payment of $10,000.

FNBT fixed home equity loan term options are either 5-years (60 months) or 10-years (120 months). Payment examples above reflect the most credit worthy borrowers with 80% LTV and a credit score of 720 or better on an owner occupied property.

Accounts are subject to application, credit qualification, and income verification.Home Equity Loans and Lines of Credit are only available in Illinois and Wisconsin. FNBT reserves the right to recapture closing costs and fees for Loans or Lines of Credit closed within 36 months. Rates tied to Prime and subject to change. Promotion ends September 30, 2021. Member FDIC. Equal Housing Lender.Equal Housing Lender