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HELOC Promotion

Thinking about home renovations, a vacation, or other expenses? Now is a great time to take out a Home Equity Line of Credit.

  • Rates are as low as 3.50% APR* for the first year when you take an initial draw of $10,000 or more at account opening.
  • After 12 months (or if your initial draw is less than $10,000) your rate will be as low as Prime + .75% (currently 4.75% APR).      

Our Home Equity Line of Credit offers:

  • No closing costs* AND no application fees or annual fees!*
  • Interest-only payment option, potential tax benefits*, and up to 90% of your home’s value.
  • Preapprovals in less than a day, and your account is accessible 24/7. 
  • Convenient repayment options.   

Apply for your Home Equity Line of Credit online.

Or contact us to apply at 800.873.5100, ext. 7722 or email us at

*APR = Annual Percentage Rate. Rate of 3.50% APR is based on $100,000 loan at 90% loan-to-value, a credit score of 720 or higher and a $10,000 draw at closing. Must maintain a $10,000 average balance for the first 30 days to earn the 12 months rate. Home Equity Lines Of Credit (HELOCs) without the minimum draw can lock in a rate as low as Prime plus .75, currently 4.75% APR. Prime rate as of 4/1/2017 is 4.00%, subject to change monthly based on market conditions. Applications must be received by April 30, 2017, and must fund by June 30, 2017 to qualify for the promotional offer. Loan rate is variable: Maximum rate is 18.00%. For full details on the variable rate features or other terms, contact a Mortgage Advisor. Consult your tax advisor on potential tax benefits. Offer available on owner-occupied homes. No closing costs feature available on loans up to and including $100,000. In certain circumstances, borrower may need to pay for appraisal and/or title fees and property and flood insurance may be required. If your HELOC is discontinued within 3 years, an early termination fee of up to $400 may be charged to reimburse IBMSECU paid closing costs. Loans not available in Texas.


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