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Routing Number: 273976369

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

Schedule an appointment with one of our loan experts, Apply for a Home Equity Loan, or learn more about home equity loans.

Home Equity Fixed Apply Now
Monthly payment example based on loan amount of $25,000. These rates are effective 4/24/2024.
Name APR as low as* Loyalty APR as low as° Payment*
5 Year (60 mos.) Fixed Home Equity 6.99% 6.74% $495
10 & Done 6.25% 6.00% $280
10 Year (120 mos.) Fixed Home Equity 7.50% 7.25% $297
15 Year (180 mos.) Fixed Home Equity 8.00% 7.75% $239
20 Year (240 mos.) Fixed Home Equity 9.25% 9.00% $229
Home Equity Line of Credit (HELOC) Apply Now

Lines of credit have a 25-year term with a fixed rate for the first 5 or 10 years and a variable rate after.

Maximum APR is 21%. Add 1.0-2.5% to interest rate for loans with loan-to-value ratio over 80%. The required minimum payment of $50 or 1% of loan balance, whichever is greater, may not reduce principal. For a $25,000 Home Equity Line of Credit balance at 6.74% APR, the monthly payment will be $250. These rates are effective 4/24/2024.
Name APR as low as* Loyalty APR as low as°
5 Year (60 mos.) Fixed Home Equity (Line of Credit) 6.99% 6.74%
10 Year (120 mos.) Fixed Home Equity (Line of Credit) 7.50% 7.25%
Home Improvement Loans Apply Now

Secured with your home.

Finance up to 133% of your home's value, up to $250,000. These rates are effective 4/24/2024.
Name APR as low as* Loyalty APR as low as° Payment*
5 Year (60 mos.) 9.00% 8.75% $516
10 Year (120 mos.) 9.50% 9.25% $320
Unsecured Home Improvement Loans Apply Now

Borrow up to $25,000 with terms between 5 and 15 years based on your credit rating.

Monthly payment example based on loan amount of $25,000. These rates are effective 4/24/2024.
Level I ($2,000 - $10,000) APR as low as* Loyalty APR as low as° Payment*
5 Year (60 mos.) 8.50% 8.25% $509
10 Year (120 mos.) 9.00% 8.75% $313
Level II ($10,001 - $25,000) APR as low as* Loyalty APR as low as° Payment*
5 Year (60 mos.) 8.00% 7.75% $503
10 Year (120 mos.) 8.50% 8.25% $306
15 Year (180 mos.) 9.00% 8.75% $249

* APR = Annual Percentage Rate. Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. All loans subject to approval.

° Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. See Veridian for details.

Payment example does not include taxes or insurance. Loan must be in first lien position.

Locate a Branch

Serving all 50 states digitally with branches in Iowa, Nebraska, and Minnesota.

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