Use the equity in your home to your advantage!

  • Rates as low as 4.44% APR1

  • No upfront costs or fees2

  • Plus, receive a $50 or $100 Menards gift card3

Loan Amount


Sample Loan Amounts

Current Annual Percentage Rate (APR)

Principal & Interest (P&I) Monthly Payment

Maximum Monthly Payment

Max Loan-to-Value (LTV)4


Home equity loan and line of credit options to help make your dreams a reality:

  • Dream kitchen or home improvements

  • Debt consolidation

  • Vehicle purchase

Apply Online Now FNBT Location Near You 1All loans are subject to credit approval, full income verification, and program guidelines. The sample loan amounts shown are based on an adjustable rate home equity loan with an initial five-year fixed-interest rate, followed by a rate that adjusts every 5 years. Principal and Interest (P&I) payments are estimated based on interest rate, loan balance, and 15-year term. Maximum payment is based on 4.00 percentage points above the current rate, the maximum amount the interest rate can rise under this program at a 15-year term. Payments do not include taxes or insurance. Annual percentage rate of 4.44% is based on a minimum loan amount of $10,000, credit score of 720 or better and is accurate as of May 1, 2018. Actual payments may vary and could be higher based on loan amount, credit score, and term. Rates are subject to change based on market conditions and borrower eligibility. Home Equity loans are only available in Illinois and Wisconsin. Offer excludes loans already financed with FNBT. 2 Initial home equity loan or line of credit minimum amount of $10,000 required. 3 Home Equity loans and lines of credit ranging from $10,000 to $99,999 will receive a $50 Menards gift card. Home Equity loans and lines of credit $100,000 and greater will receive a $100 Menards gift card. Gift card will be issued within 60 days of closing. 4 Maximum Loan-to-Value (LTV) restrictions will vary depending on credit score and owner occupancy. Maximum LTV of 95% is based on minimum 740 credit score and owner occupied closed home equity loan. Offers may end or change at anytime but not later than September 30, 2018.

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Member FDIC, Equal Housing Lender