Put Your Home to Work for You

Celebrate Homeownership Month with a HELOC.

Publish Date: June 2025

June is National Homeownership Month, a time to recognize the value of owning a home—and all the opportunities that come with it. One smart way to maximize the value of your home is with a Home Equity Line of Credit (HELOC) from Fidelity Bank & Trust. If you’ve built up equity in your home, a HELOC can give you:

Competitive interest rates – often lower than personal loans or credit cards.
Flexible funds – borrow only what you need, when you need it.
Convenient access – once your HELOC is in place at Fidelity Bank & Trust, we provide immediate availability of funds through online/mobile banking. It's as easy as an account transfer!

Whether you’re planning a remodel, paying for tuition, or consolidating debt, here are a few things to keep in mind with a HELOC:

HELOCs often have variable interest rates, which means payments can change over time.
Your home is used as collateral, so it’s important to borrow responsibly and be sure to have a repayment plan.
Still have questions about a HELOC? Watch now as retail lender, Beth Toenjes, details 3 myths about HELOCs.

At Fidelity Bank & Trust, we’re proud to support our customers during National Homeownership Month—and every month. Our team is here to help you understand your options and continue our mission of making hometown lives better. Stop by your local branch or contact us today!

Fidelity Bank & Trust meets all my banking needs. From mortgages to mobile banking, they have it all. Fidelity Bank & Trust has great customer service, with employees who are always friendly and willing to help. As Fidelity continues to grow, I appreciate the small-town bank approach it maintains.

Angie D.

Fidelity Bank & Trust has been nothing but accommodating to us. From easy online banking to timely communication throughout our building process, everything has been flawless. We can always count on FB&T for great service and trustworthy advice.

Katie N.

I’ve been a member of Fidelity Bank & Trust from the EDSB days. My experiences of getting a home loan, refinancing, and opening a checking and savings account have all been A+. Questions are answered promptly and painlessly via text. Working with Fidelity Bank & Trust has been a joy for 18+ years. Good job team, very well deserved!!

Tim J Bahl

I recently bought my first home, which was pretty scary! But I got to work with the Dubuque Asbury Rd office and they were awesome! Not only did they help me manage my mortgage, they gave me many other helpful tips that I would never have known! They went above and beyond, and I felt like I was treated as family. What's more? Since... Read More

Miranda H.

Everyone at the West Branch office is consistently helpful, polite, and uplifting. There is always a pleasant environment when I visit, and they are always able to help me get every situation figured out.

Alexis W.

I enjoy working with everyone at Fidelity Bank & Trust. They offer a wide variety of useful services and have multiple branches in the Tri-State area. I appreciate the local feel and personal attention.

William M.

Fidelity Bank & Trust offers great service and a variety of banking options to fit our needs.

Lynn B.

Everyone at Fidelity Bank & Trust is so friendly. They always know my name, and make me feel special - that my business matters.

Joan H.

Fidelity was a real life saver for me during my business expansion. Initially, I worked with another financial institution, but when the project's budget exceed expectations, I was left with little options on how to finance the remaining portion of the buildout. I reached out to Derek, whom I met through the Dubuque Chamber, and we... Read More

Katie M.