First State Bank And Trust Of Monticello : First State Bank
201 West Main Street
Monticello , IL 61856
Featured Home Equity Rates in Illinois
Intro APR : 6.240 %
After Intro: 6.240 %
$0
Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period
Intro APR : 6.740 %
After Intro: 6.740 %
$0
Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 600
NMLS ID: 2611 /
Updated 2026-02-20
Equal Housing Lender
Intro APR : 6.819 %
After Intro: 6.819 %
$25,000
Nation's #2 retail mortgage lender in 2024.
Apply in 5 minutes, get your money in as fast as 5 days.
Digital application experience.
No in-person appraisal needed.
Intro APR : 6.950 %
After Intro: 6.950 %
$15,000
Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US
Home Equity Loans & Refinance – Cash out
$0
Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business
Cash in with a HELOC
$0
Borrow up to $500,000*
Apply 100% online in minutes with a user-friendly platform
Check your rate without affecting your credit **
Tap into home equity today
Unlock Your Home's Potential
$0
Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Featured 30-Year Fixed Mortgage Rates in Illinois
0.000%
$0
Fees & Points
$0 Total
0.000 Pts
($0)
Fixed rate is locked-in for the life of the loan
PenFed makes home ownership affordable. Federally insured by NCUA
Military service is not required for membership. Equal Housing Lender
Fees & Points
Total
Pts
($0)
Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews
Fees & Points
Total
Pts
($0)
Apply in less than 10 minutes.
Fast, stress-free closing in as little as 16 days
More loan types so you’re more likely to qualify
Fees & Points
Total
Pts
($0)
Your home's value could help you save.
Turn your equity into opportunity.
Calculate your home equity loan options with lenders.
Fees & Points
Total
Pts
($0)
Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms
Fees & Points
Total
Pts
($0)
Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
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