Most people have mixed feelings about borrowing money, whether from a bank or their brother-in-law. True, it often seems the lender's only concern is your ability to repay. But any banker worth his salt will show you how the proper use of credit can give you tremendous opportunities to build a secure future for yourself and your family. Here's a quick look at our loan and credit options.

Ready Cash is a personal, unsecured line of credit attached to a First Midwest Bank checking account. It serves the dual purpose of acting as a safeguard against overdrafts (up to your approved credit limit) while increasing your purchasing power. With a competitive fixed interest rate, Ready Cash can be an economical alternative to a high interest rate credit card. (Ready Cash is subject to credit approval.)

Installment Loans are a great choice for more than just purchasing a car these days. Installment loans are available for practically any purpose...bill consolidation, college tuition--even purchasing an engagement ring! Use our Loan Calculation Calculator.

Home Equity Loans offer a great way to take advantage of the equity you've accumulated in your home. The total loan amount is paid to you in one lump sum and there is a regular schedule of repayment. Funds are generally used for a major purchase or toward a single purpose, such as home improvements. Use our Home Equity Loan Calculator.

Home Equity Lines of Credit are a powerful credit management option that lets homeowners make major cash purchases or take advantage of immediate investment opportunities with convenience and low cost. Funds can be used for any purpose and can be accessed simply by writing a check of $300 or more. Lump sum payments can be made with no prepayment penalty. Prepayment is allowed on interest only. (Property insurance required on property securing this plan.)

Believer Loan is a special kind of loan designed to fund your savings program and help establish a good credit relationship. A loan of between $1,000 and $5,000 is made and used to purchase a Certificate of Deposit for the same amount in your name. You make regular monthly payments, and when the loan is paid off, the CD is yours.

VISA^® Credit Card - An unsecured line of credit offered through VISA^®, accepted for payment of goods and services worldwide.