Special HELOC Offer
Use your home equity to tackle your to-do list.
Home Equity Line of Credit
Intro Rate: 4.99% APR* — Fixed for 6 months
As low as Prime minus 0.25% APR* variable rate therafter
As low as Prime minus 0.25% APR* variable rate therafter
We all have things we’d like to do. And you may already have the money to do them in your home’s equity. Unlock the value of your home with a Home Equity Line of Credit (HELOC) from i-bank.
With competitive rates and flexible access, a HELOC helps you fund what matters most—on your schedule.
Use your HELOC to:
- Remodel your kitchen
- Cover education costs
- Consolidate higher-interest debt
- Pay for a special event
- And more
Borrow up to 89.9% of your home’s equity, with up to $750 in closing costs covered** and no annual fee** when you set up auto-pay from your i-bank checking account.
Our application is fast and easy—and you can apply online. With local approvals, you can get the money you need, when you need it.
Questions? Call us at 888-716-9293 or stop by your nearest location.
* APR=ANNUAL PERCENTAGE RATE. Annual Percentage Rate based on 365 days. Introductory Rate is good for applications received by December 31, 2025. For the first six monthly billing cycles, the monthly periodic rate for balances will result in an ANNUAL PERCENTAGE RATE (APR) of 4.99%. Eligibility for the special 4.99% rate is subject to credit approval and an initial advance of $10,000. 2 Standard APR will range from Prime Rate (as published in the Wall Street Journal with a floor of 4.00%) minus .25% to Prime Rate plus .50% based on loan to value and credit score. The Wall Street Journal Prime Rate as of July 18, 2025 was 7.50%. **CLOSING COSTS. Independent Bank will pay up to $750.00 in closing costs. The Borrower will be responsible for paying any remaining closing costs above the $750.00 paid by Independent Bank. Any closing costs associated with future changes or modifications of this line of credit shall be paid by the Borrower. WAIVER OF ANNUAL FEE. At account opening, the Annual Fee of $50 will be waived if you have an Independent Bank checking account with automatic payment drafted monthly for your Home Equity Line of Credit payment. The Waiver of Annual Fee will terminate if you discontinue your automatic payment with Independent Bank or close your Independent Bank checking account. The waiver will be removed and shall be subject to the original terms listed in the Home Equity of Credit Agreement. EARLY TERMINATION FEE. You will be charged a $750 Early Termination Fee if you terminate your Credit Line within 36 months from account opening unless it is refinanced with Independent Bank.
