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No-Fee* Home Equity Line of Credit

Enjoy a flexible financing option that may allow you to borrow money secured by the equity in your home without the fees!

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Named the Best Bank in Michigan

Thanks to our wonderful customers for voting us the Best-In-State Bank in Michigan!

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Honest Banking Since Abe Lincoln

Celebrate our 160th anniversary with $160 off an auto boat or RV loan!*

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How can we help you?

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Business Banking at its Best


Are you a business looking for a banking relationship with more perks and less fees?

Open a new business account and learn how Independent Bank can help your business grow.

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Start Saving with our CD Specials


Our Certificate of Deposit featured rate:

4.29% APY on a 3-month CD


An Independent Bank checking account is required to qualify for the special.


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Bank anytime, with ONE Wallet


Take control of your finances and bank from the comfort of your phone, computer, or tablet.

Access all of your financial information, from checking accounts to mortgages, and more.

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mortgage rates@4xMortgages
as low as

5.760%

APR
auto rates@4xAuto Loans
as low as
7.15%
APR
CD rates@4xCDs
as high as
4.29%
APY


See All Rates


Independent Bank in our Communities
Being the difference in the communities we serve.

Junior Achievement of the Michigan Great Lakes

Independent Bank is a proud sponsor and participant in BizTown, a simulated business community that allows fifth and sixth grade students in West Michigan the opportunity to interact in a real-world business setting.
 
Students apply, interview, and work within this simulated town, giving them the opportunity to experience different career opportunities, including one at Independent Bank.

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Annual Be The
Difference Day

Every year, Independent Bank participates in their all-employee volunteer day, Be the Difference Day. Employees volunteer in teams across Michigan and parts of Ohio at hundreds of non-profit organizations.

The Bank also donates funds raised by employees throughout the year as well as a bank match to the organizations where they volunteer for the day.

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Affordable Housing Development in Grand Rapids

Independent Bank is honored to partner with local non-profit housing developers across Michigan to provide much-needed affordable housing solutions, as well as assist in the submission of grant applications.

From Traverse City to Grand Rapids to Detroit, Independent Bank is working to support the acquisition, construction, and rehabilitation of properties for use as affordable homes.

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