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Routing Number: 273976369

Our unique, nine-digit number that functions as an address for your bank.

A home equity loan allows you to borrow against your equity, or the portion of your home that you own. These loans, also called second mortgages, have favorable rates and low closing costs that make them ideal for borrowing large amounts. You can estimate your current equity by taking the appraised value of your home and subtracting the balance of any mortgage or liens against your property.

Use a home equity loan for anything:
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Home Improvements

Update existing rooms like your kitchen and master bath or add space for an office, gym or play area. Put on a new roof, put in a pool and more with this flexible funding.

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Pay Off Debt

If you have balances on credit cards, personal loans, or other debt at a higher interest rate, you could pay less by consolidating that debt into a home equity loan.

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Tuition Payments & School Expenses

If you or a loved one are paying for school, you may be able to get a better rate and save money with a home equity loan rather than student loans.

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Other Large Expenses

The great rate on a home equity loan saves you money no matter what you need it for – whether that's medical bills, adoption costs, new furniture, vacations or unexpected expenses.

Have questions or want help applying?

Video Chat or Schedule an appointment

  Home Equity Line of CreditHome Equity Line of Credit Home Equity Line of CreditClosed-End Home Equity Loan
What are the differences between our loans? Get a Line of Credit Get a Closed-End Loan
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Rates as low as [ Show Rate ] [ Show Rate ]
Uses your home as collateral
Borrow up to 100% of your home's value
Access your money in online banking
Continuously receive funds as needed up to your limit
Can be used again and again
Can replace your current mortgage
No Annual Fee†
Receive your money as a lump sum
No penalty for early payoff
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Not enough equity?If you don't have equity to borrow against or need to borrow more than your home is worth, check out our Home Improvement Loans.

Frequently Asked Questions
To estimate your equity, take the value of your home and subtract the balance on your mortgage and other liens, if any. To find your loan-to-value ratio, divide the total amount you owe on your home by its value. For example, if your home is appraised at $200,000 and you owe $50,000 on your mortgage, you have $150,000 of equity and your current loan-to-value ratio is 25%.
You'll need an appraisal if you’re looking to borrow more than $100,000 or more than the current assessed value of your equity. If an appraisal is required and you’ve had one done in the last three months, we'll accept it. If it's older than that but was still done in the last year, we'll review it to see if we can accept it. New appraisals typically cost between $400-$500.
You can easily set up a recurring automatic transfer through online banking.
No, we'll use the currently appraised value of your home. If you believe your home has increased in value since its last appraisal, you can have a new one conducted. If you need to borrow more than your home's value, check out our Home Improvement Loans.
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Serving all 50 states digitally with branches in Iowa, Nebraska, and Minnesota.

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