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COVID-19 Response: We are here for you. Learn about potential assistance resources and our response on our Coronavirus Update Page.


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with rates as low as 2.99%/3.12% APR*

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*Automotive Loan Rate: As low as 2.99%/3.12% APR. 84-month max-term for 700+ credit score; payment amount of $530.66 based on 84-month term, $40,000 loan amount, and rate at 3.12% APR. Non-Automotive Loan Rate: As low as 3.99%/4.04% APR. 180-month max-term for 700+ credit score; payment amount of $370.89 based on 180-month term, $50,000 loan amount, and rate at 4.04% APR. Rates subject to change. For additional information about rates, contact your local office. Eligibility for promotional rate requires auto pay from an Independent Bank checking account and is limited to non-real estate collateralized loans that are fully amortized. Bank standard maximum term for collateral applies. Refinances of current Independent Bank loans are ineligible. Borrowers must meet standard qualification criteria, including a minimum credit score of 700. Loans greater than $50,000 will be .25% higher in rate. ^Does not include Personal Line of Credit, Loans secured by real estate, or loans to fund post-secondary educational expenses. Promotion begins July 1 and ends October 31, 2020. Only new Independent Bank loans are eligible for promotional rate.



Receive up to 3.00% APY*
just by swiping your debit card.

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*Refer to the fee schedule for account eligibility requirements and/or fees, if applicable, Retail Fee Schedule. eStatements required or $2/month fee will be assessed for paper statements. Fees may reduce earnings. $10 minimum deposit is required for all accounts at account opening. Accounts are subject to standard account opening guidelines. Other fees and restrictions may apply.


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Independent Bank waives your fees at over 32,000 MoneyPass ATMs nationwide. Visit moneypass.com or download the MoneyPass app today to find one nearest you. 


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Refer your friends and family to Independent Bank, and you’ll both receive a $50 Mastercard® Reward Card!*


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*Please see Terms and Conditions.



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Insurance products are not insured by FDIC or any Federal Government Agency; are not a deposit of, or guaranteed by the Bank or any Bank Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Independent Bank need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer's choice.

Consumer Loan Assistance

If you're concerned about your mortgage or personal loan through Independent Bank due to circumstances related to the Coronavirus pandemic, we may be able to help.

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Business Assistance

If your business has been impacted by COVID-19, you may be eligible for assistance through the SBA or MEDC to help support working capital, payroll, fixed debt payments, and more. 

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SBA Disaster

The U.S. Small Business Administration (SBA) recently announced that they will be offering disaster assistance to Michigan residents who were negatively impacted by severe storms and flooding.
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