Skip to Content
Farmers & Merchants Bank & Trust
  • 1-800-789-6617
  • Contact Us
  • Locations & Hours
Facebook Icon Menu
  • Home
  • Business
    • Commercial Loans
    • Business Checking Accounts
    • Savings & Money Market Accounts
    • eBanking
    • Business Credit Cards
    • Deposit Rates
  • Personal
    • eBanking
    • Checking Accounts
    • Savings & Money Market Accounts
    • CDs and IRAs
    • Deposit Rates
    • Fraud & Identity Theft
    • Galaxies Unlimited Kids Club
    • Horizons Unlimited Senior Club
    • Personal Credit Cards
    • Debit Cards
  • Trust
    • Trust Services
  • Lending
    • Commercial Loans
    • Mortgage Loans
    • Consumer Loans
    • Personal Credit Cards
    • Business Credit Cards
    • NMLSR Numbers
  • About Us
    • Mission and History
    • Meet the FMBT Team
    • Security & Privacy
    • Hi-Q
    • Locations & Hours
  • Blog
  • Careers
Online Banking

Home Equity Line of Credit Special

  • Aa
  • Aa
  • Aa

Put Your Home's Equity to Work for You

The money you need for home improvements, debt consolidation, college tuition, or a once-in-a-lifetime vacation is waiting for you - and it's in your house. A Home Equity Line of Credit from Farmers & Merchants Bank & Trust is a way to unlock those dollars as you need them.

Our unique automatic rollover feature allows you to make draws for the first three years and then automatically rollover into a repayment period without the hassle and cost of refinancing. With no annual maintenance fees, access cash at any time by contacting us by phone, stopping at one of our branch locations, or transferring to your FMBT checking or savings account using any of our convenient eBanking services.

For a limited time only:

  • 3.75% APR* for the first 6 months, then as low as 3.75% APR* thereafter
  • $350 Loan Administration Fee - no other closing costs!
  • No annual fee

Features & Benefits:

  • Use the available balance again and again for the first three years while making interest-only payments (or more if you wish)
  • No annual fee
  • Access funds at any time by transferring to a checking or savings account through our convenient eBanking services
  • After the first three years, the outstanding balance automatically rolls over to a 10-year principal-and-interest repayment period - no balloon payment, no additional closing costs, and no refinancing necessary!
  • No prepayment penalty

 Apply Now Contact a Loan Officer View Disclosure

*All loans subject to credit approval. The introductory Annual Percentage Rate (APR) is 3.75% for 6 months. Then, the variable APR is as low as Prime + 0.50. The index is the Prime Rate as published in the Wall Street Journal on the first of each month. The current index value is 3.25% resulting in a fully indexed rate as low as 3.75% as of January 1, 2021. The actual interest rate offered is based on the percentage of remaining equity in your home. The maximum APR will not exceed 15%. Minimum draw amount of $100. Offer applies to owner occupied residences only and loan amounts up to $250,000 with a maximum loan-to-value of 85%. Consult your tax advisor about deductibility. Adequate homeowner's insurance and flood insurance coverage (if applicable) are required. Offer available starting March 7, 2019 and is subject to change at any time without notice.

 

Lending

  • Commercial Loans
  • Mortgage Loans
  • Consumer Loans
  • Personal Credit Cards
  • Business Credit Cards
  • NMLSR Numbers
  • HELOC Special

Mortgage Loans

Sit down with a member of the mortgage lending team at Farmers & Merchants Bank & Trust to find the right loan for your dream home.

Mortgage Loans
Learn More
 

  • Personal
  • Business

Online Banking

Enroll Forgot Password?

Online Banking

Forgot password or PIN?
  • Deposit Rates
  • Order Checks
  • Financial Education Center
  • Contact Us

Popular Visited Pages

  • eBanking for Individuals and Families
  • Meet the FMBT Team
  • Locations & Hours
  • Contact Us
  • Your Hub for Hi-Q
  • Checking Accounts
  • Deposit Rates
  • Mortgage & Home Loans
  • Careers at FMBT
  • Our Mission and History
  • Security & Privacy
  • Commercial Loans
  • Business Checking Accounts
  • Savings & Money Market Accounts
  • Calculators

Contact Information

Ludington:  (715) 735-6617

Roosevelt:  (715) 732-4411

Crivitz:  (715) 854-7445

EZ Access Banking:  (877) 735-4228

Lost/Stolen Debit Card?:  (833) 613-0441

Lost/Stolen Credit Card?:  (866) 552-8855

Routing #:  075901037 *

* Not to be used for wire transfers. Please call us for wire instructions.

© 2022 Farmers & Merchants Bank & Trust. All rights reserved.
Privacy Policy | Mobile Privacy Policy | Terms of Use | USA Patriot Act | Website Accessibility Notice | Sitemap
Financial site created and powered by VGM Forbin.

  • FDIC Logo
  • Equal Housing Logo
Back to Top
Close
  • Home
  • Business
    • Commercial Loans
    • Business Checking Accounts
    • Savings & Money Market Accounts
    • eBanking
    • Business Credit Cards
    • Deposit Rates
    • Back
  • Personal
    • eBanking
    • Checking Accounts
    • Savings & Money Market Accounts
    • CDs and IRAs
    • Deposit Rates
    • Fraud & Identity Theft
    • Galaxies Unlimited Kids Club
    • Horizons Unlimited Senior Club
    • Personal Credit Cards
    • Debit Cards
    • Back
  • Trust
    • Trust Services
    • Back
  • Lending
    • Commercial Loans
    • Mortgage Loans
    • Consumer Loans
    • Personal Credit Cards
    • Business Credit Cards
    • NMLSR Numbers
    • Back
  • About Us
    • Mission and History
    • Meet the FMBT Team
    • Security & Privacy
    • Hi-Q
    • Locations & Hours
    • Back
  • Blog
  • Careers
  • Search