Click to learn about recent mortgage scams
men putting a new roof on a house

Home Equity Line of Credit

Set up once, use again and again.



A Home Equity Line of Credit (HELOC) gives you easy access to funds you need.

Popular uses for a HELOC

  • Home repairs (new roof, new furnace, etc)
  • Home remodels (new kitchens)
  • Emergency fund
  • Consolidation of debt (credit cards, vehicle loans, student loans)
  • New or used vehicle
  • Vacations
  • Second homes
  • Financing college expenses

Rates & terms

Learn more about our rates and terms
Loan terms to fit with your financial picture

Advantages of a Home Equity Line of Credit

  • Make affordable interest only payments
  • Access funds easily with provided checks or by visiting a local branch or making an online transfer
  • Benefit from tax deductible interest, based on tax bracket*
  • Pay no closing costs for a HELOC, but you may be required to pay for an appraisal or title policy, depending on line amount

Apply online, over the phone or in-person

With 26 convenient West Michigan branch locations and an easy to use online application, no matter how you want to apply, we will be convenient for you.

Apply Now for a Home Equity Loan


Apply now
*Consult your tax advisor.
Disclosures and borrower information
Macatawa Bank's primary lending area is West Michigan. Online applications will be considered received on today’s business day if submitted during the course of the bank’s normal business hours;
9am EST – 5pm EST Monday – Friday, excluding Federal Holidays
9am EST – 12pm EST on Saturdays
Applications received outside of this timeframe, including Federal Holidays and Sundays will be considered received the next business day.

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.  * = Required field.

* required fields
Preferred form of contact *
What is your preferred method of contact?
Existing customer? *
Are you an currently a customer at Macatawa Bank?