Maybe you’re considering a home improvement, a new vehicle or want to consolidate debt. Whatever your project or plans, we can help you achieve them.

Home improvements or renovations

Finance a home improvement or a major renovation to help increase the value of your home.

Cover emergency expenses

Life is full of surprises, and sometimes you need a little extra cash to get you through.

Purchase a vehicle

As an alternative to a traditional auto loan, a home equity loan may offer a lower rate and can be used to purchase any type of vehicle.

Debt consolidation

Consolidate your debts into a more manageable monthly payment with a competitive rate.

Overdraft services

Be sure you have funds when you need them. Protect your checking account from becoming overdrawn by linking your home equity line of credit to automatically transfer money to your account.


Take advantage of the protection, flexibility and convenience of a home equity loan or line of credit.

Home Equity Loan

  • Best for:
    • Debt consolidation
    • Home repairs or improvements
    • Purchasing a vehicle
  • Benefits:
    • Guard against rising rates with a fixed rate
    • Easier budget planning with a fixed monthly payment
    • Rebuild equity in your home as you make loan payments

Home Equity Line of Credit

  • Best for:
    • Home improvements or renovations
    • Emergency expenses
    • Purchasing a vehicle
    • Overdraft services
  • Benefits:
    • Flexible rate options with a variable rate or choose to lock up to five fixed rate loans at a time
    • Convenient access to funds online, with the Johnson Bank mobile app or a line of credit card
    • Replenish your available line of credit and the equity in your home as you pay down the balance
    • Protect your checking account

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Certain conditions, terms, and restrictions may apply based on the loan program selected. The term of the loan may vary based upon program chosen. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required.

We can also help you with...

Woman sitting at table using credit card to order online.

Credit Cards

A credit card can increase your purchasing power while giving you the chance to earn rewards to use the way you want.

Learn More about Credit Cards

Related Resources

With a home equity line of credit, you can borrow a certain percentage of your home’s equity as a line of credit. The line of credit is convenient. Borrow what you need, when you need it (up to your credit limit). 

Interest on home equity loans or lines of credit may be tax deductible. Consult your tax advisor regarding tax deductibility.

Home equity is the value of your home that you actually own. In other words, it’s the value of your home, minus what you still owe.

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Joe Stanton
Joe Stanton, Officer, Branch Manager, Kenosha, WI

Your Trusted Partner for Life's Biggest Moments

No matter what financial needs you may have, we're here for you. Our experienced advisors work closely with you to build the right path to help you achieve your goals.

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