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If your borrowing need may be ongoing, a flexible home equity line of credit (HELOC) may be just what you are looking for. With a HELOC, you can advance funds on the line as you need them, and only pay interest on that portion of the line you use during the draw period.

  • Line of credit is a reusable source of funds
  • Borrow funds as you need them
  • Low variable interest rate
  • Experienced lenders will guide you through every step
  • Interest may be tax deductible*
  • Application process is three easy steps:
    • Print application
    • Fill it out
    • Bring into your local branch


*Special accurate as of 6/1/23. Property securing the loan must be owner-occupied. Minimum loan amount of $25,000. A $199 closing fee for applicants with a German American State Bank deposit account. A $299 closing fee for applicants without a German American State Bank deposit account. Property insurance and flood insurance if applicable are required. Consult your tax advisor for details on tax deductibility of interest paid on loans secured by your home. Offer is subject to credit qualifications. Rates and terms are subject to change or cancel at any time. Consult a bank service representative for more information.

*Consult your tax advisor regarding deductibility of interest.