After the six month introductory period, variable rates as low as 8.50% APR (prime minus 0%). 

Life Happens - from unexpected emergencies and planned projects to meaningful milestones.  A Home Equity Line of Credit from First American Bank keeps monthly payments within your budget, while flexible payment options let you focus on what matters most.  

• Use money for minor or major home improvement projects, college expenses, or to pay off high-interest debt 
• No application fees
• Up to $2,500 closing cost credit
• Competitive rates help you get the most for your money

Special Offer Ends May 31, 2024!  Speak with Tammi Malinowski at (630) 547-9029 or (847) 815-8527 TODAY!  

Offer valid 2/16/24-5/31/24. Loan must close 7/31/24. Available only to new Home Equity Line of Credit (HELOC) customers and current HELOC customers whose loan matures within one year from the date of application. Available only on collateral properties located in (i) Illinois (excluding Kankakee County. Please see a banker for rates applicable to Kankakee County, Illinois), (ii) Indiana, (iii) Wisconsin, and (iv) Minnesota. Not available for investment properties. 75% loan-to-value (70% for condos), or less. Prime – 1.00% during the six-month introductory period. Thereafter, the Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first business day of each month. Based on the 8/1/23 Prime Rate of 8.50%, the following rates would apply: 7.50% APR during the six-month introductory period. Thereafter, 8.50% APR for HELOC $100,000 or more; 8.74% APR for HELOC $50,000 to $99,999; 9.24% APR for HELOC $25,000 to $49,999; and 9.49% APR for HELOC $5,001 to $24,999. Rates subject to change at any time. The maximum APR is 18%. Monthly payments of interest only will result in a balloon payment. No annual fee for the first year - $75 annual fee thereafter. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood hazard insurance may be required. Some restrictions may apply. An Early Cancellation Fee of 2.00% of the credit limit, or $500, whichever is less, will apply if the loan is closed within the first 36 months. An Early Cancellation Fee is not applicable in Wisconsin or when prohibited by state law. Offer is subject to normal credit qualifications. Up to $2,500 in Closing Cost Credit: Third Party Fees and Charges ranging from $500 to $3,100 may be assessed for HELOCs under $250,000 at closing. If at the time of closing you set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your HELOC and within the first statement cycle elect electronic statements, we will pay up to $2,500 of the Third Party Fees and Charges associated with closing on your HELOC, including, but not limited to, appraisal, title, flood, credit report, stamp & tax and recording fees (Third Party Fees and Charges). If at any time during the term of your HELOC you fail to maintain the AFT or ACH or an electronic statement, you agree to repay the Third Party Fees and Charges that we previously paid which will be added to the outstanding balance of your HELOC. If at the time of closing you do not set up an AFT or ACH to make the monthly payment on your HELOC, then you agree to pay the Third Party Fees and Charges at closing. Not available for investment properties or loans that fall outside our standard product, rate, term and underwriting guidelines. Equal Housing Lender.  Member FDIC. 

We help you get the house; you make it a home.  Whether you are purchasing your first house, moving to a new home, or looking to make your existing mortgage more affordable, we want to help make your home fit your budget.  For a limited time, we will pay $500 toward closing costs* when you sign up for automatic loan payments and eStatements. 

Special offer ends May 31, 2024. 

Subject to credit approval. Standard rates apply. Special Offer: *$500 off your closing costs valid on first mortgage applications (including prequalifications) received between 2/16/24 - 5/31/24. Loan must close by 8/31/24. Only available on 1-4 family home. Only applies to Conventional, Jumbo, FHA, USDA, or VA loans. Not available for collateral properties located in Texas, New York, Alaska, or Hawaii. Prior to closing you must set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your loan, and within the first statement cycle you must elect electronic statements (requirement only applies to Conventional and Jumbo loans). Closing costs include only those fees and charges required by First American Bank as a condition of obtaining a loan. Title fees, as part of the closing costs, will vary by county. May not be combined with other promotions. Please see a banker for details.

GROW YOUR SAVINGS TODAY! Take advantage of these limited-time CD specials!  Please contact me to start earning these fabulous rates today.  Tammi Malinowski, (630) 547-9029, tmalinowski@firstambank.com. 
Member FDIC. $2,500 minimum deposit.  The annual percentage yield (APY) for the 7 month and 11 month CD specials are effective as of 1/16/2024. Subject to change at any time. A penalty may be imposed for early withdrawal.  The APY assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.  Deposit amounts not to exceed $1 million. Limited time offer.  Other rates and terms are available for additional types of investments.  Please contact me for details.  

Clover merchant services offers subscriptions as a simple way to obtain a point-of-sale system (POS) with no money down. From accepting payments and managing inventory to keeping track of your customers and more, Clover is the POS system that works as hard as you do.
For the month of May, save when you choose your subscription*.

For more information, contact Tammi Malinowski at (630) 547-9029 by email at tmalinowski@firstambank.com. 

*Promotional offer valid from May 1 2024 to May 31 2024. This offer is available for qualified First American Bank merchant services customers who have not had a merchant services account processed by First Data Merchant Services LLC within the last six months.  New accounts are subject to standard credit approval and underwriting requirements. Offer is valid for one Clover Mini, Flex, Station Solo or Station Due point of sale hardware device.  The offer requires the merchant to choose whether to subscribe to the Clover Flex or Clover Mini for $9.95 per month or subscribe to the Clover Station Solo or Clover Station Due for $19.95 per month.  To be eligible for the offer merchant must (1) have a minimum processing volume of $200,000 annually, (2) signup for 36 or 48 month subscription term, (3) sign up for an eligible SaaS plan (Essentials, Register, Counter Service, or Table Service), and (4) activate account within 30 days from approval date. Clover Station Solo and Clover Station Due are not compatible with the Essentials SaaS plan. Additional fees apply to certain Clover apps software components, services and activated accounts, and are not included in the monthly subscription fee.  Additional fees related to the hardware subscription may apply.  Only one offer per eligible business tax ID.  Eligibility is at the sole discretion of First Data Merchant Services, LLC. Offer not valid with any other offer and subject to change without notice.  Some exceptions apply.  Terms and conditions apply. 
2024 First American Bank All rights reserved. Member FDIC. Equal Housing Lender.