Zero-Fee^* Home Equity Line of Credit (HELOC)

*Member FDIC. Equal Housing Lender. *An Annual Maintenance Fee of $95.00 will be due on the first anniversary date and thereafter annually. Promotion is limited to the Standard HELOC; Bridge, Insured and Platinum HELOC excluded. Must be a minimum loan request greater than or equal to $10,000 to be eligible for Zero Fee HELOC.  Must have a new or existing IB checking account OR draw $25k at close to be eligible for this promotion.   A credit will be applied toward real estate valuation fee, title insurance, recording, real estate tax service fee and flood determination fees.  Any application incurring total closing costs greater than $975 will be eligible for up to $975 credit at closing. Promotional credit not to exceed actual closing costs. HELOC must be “new money” to IB; refinance of an existing IB HELOC eligible ONLY if new line is at least a $10,000 increase to the prior commitment line. Loan must meet standard HELOC product origination guidelines. Subject to standard credit and underwriting approval. Available in Michigan and Ohio markets only. For additional information about interest rates, contact your local office. Taxes and insurance required. Promotion starts January 1, 2026. Promotion ends January 31, 2027.
** Annual Percentage Rate (APR). Rate available for well-qualified borrowers with new HELOCs. Your rates may vary depending on your specific credit profile. Your rates are variable and subject to change monthly. Your rate will be based on the then-current index and margin. Home equity lines of credit are available for homes located in Michigan or Ohio. Subject to standard underwriting guidelines.