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A home equity loan is a good solution if your borrowing need is a one-time event. You receive the requested funds in a one-time payout, and then pay the loan back on a fixed repayment schedule. Use your home's equity as collateral to get a great low interest loan. We offer flexible terms and competitive rates, and the interest may even be tax deductible.

  • Use your home equity to fund major expenses
  • Low-fixed interest rates
  • Fixed monthly payments
  • Immediate funds in one convenient check
  • 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