MENU Smartest Home Equity NO ANNUAL FEE • PAY NO INTEREST FOR 90 DAYS Secure a Smartest Home Equity Line of Credit and use it as you need it to finance a remodeling project, fund a dream vacation, purchase a boat or vehicle, cover wedding costs, or even consolidate debt. Your local German American lenders will help you understand how much you might be able to borrow based on the equity in your home. Low interest rates Rates are generally lower than conventional consumer loans. Automatic payment option Monthly payments can be automatically deducted from your checking account. Or, you can set up recurring payments in Online Banking. Free check writing Up to four checks monthly. Interest may be tax-deductible Consult with your tax advisor. Monthly statements detail your account activity and payments due *Annual percentage rate is accurate as of 6/24/21 and applies to new Home Equity accounts. Only available for borrower's primary dwelling. The annual percentage rate in effect is 3.25% with loan-to-value of 80% or less and a credit score of 720 or above. If your credit score is lower than 720 and/or your loan-to-value is higher, your interest rate may be higher. Rate is variable and subject to change. APR will not exceed 21% or the maximum rate allowed by applicable law. No annual fee. Subject to credit and underwriting approval. Property Insurance is required. If your line closes within 24 months from the opening date, you will have to pay a $399.00 early termination fee. Available in the German American market only. Other stipulations may be required. Click to view a list of registered NMLS Loan Officers Sidebar Content" APPLY NOW Estimated Smartest Home Equity Payment Options: Estimated Smartest Home Equity Payment Options $7,000 3.25% $18.95 $15,000 3.25% $40.62 $20,000 3.25% $54.16 **You can adjust your payments at any time to pay down the principal. Any outstanding principal will be required to be paid in full (ie: balloon payment) at the end of the loan term. Related Content" If you have any questions, we have the answers. CONTACT USVISIT A LOCATION Search Footer Navigation" PERSONAL BANKING BUSINESS BANKING INSURANCE WEALTH MANAGEMENT TOOLS & RESOURCES Social Navigation" ROUTING NUMBER:083904563 CONTACT US:(812) 482-1314 or (800) 482-1314 BANKLINE 24:(800) 536-0660 INSURANCE:(800) 326-1871 ╳ We use cookies to provide the services and features offered on our website and to improve our user experience. Click for details GOT IT Quick Link Navigation" HomeCareersFraud AwarenessPrivacy Policy and DisclosuresAccessibility StatementSitemapContact Us Copyright © 2021 German American Bank. All Rights Reserved.