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HELOC Promotion

Thinking about home renovations, remodeling or repairs? Apply for your Home Equity Line of Credit (HELOC) by November 30, 2019, to lock in these benefits:.

  • Rates as low as 4.00% APR* for 12 months when you take an initial draw of $10,000 or more at closing.*
  • After 12 months or if your initial draw is less than $10,000, your rate will be as low as the Prime Rate (currently 5.00% APR)  + .25%.      

Our Home Equity Line of Credit offers:

  • No closing costs*, application fees or annual fees
  • Interest-only payment option, potential tax benefits* and borrow up to 90% of your home’s value
  • Pre-approvals in less than a day, and your account is accessible 24/7
  • Convenient repayment options
  • IBMSECU membership required**

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. Home equity line of credit (HELOC) rates are variable and based on creditworthiness and other factors, so your rate may differ. Rates subject to increase based on market conditions. Maximum APR of 18.00%. Minimum credit line is $7,500. Applications must be received by 11/30/19 and funded by 2/28/20 to qualify for promotional offer. Must maintain a $10,000 average balance for the first 30 days to get promotional rate for 12 months. If member doesn’t take minimum draw, the rate can change each month. If the HELOC is discontinued or paid off within 3 years, and the credit union paid your closing costs, the credit union will be reimbursed for the actual closing costs up to a maximum of $800. Offer available on owner-occupied homes. No closing costs feature available on loans up to and including $100,000. In certain circumstances, a borrower may need to pay for an appraisal and/or title fees, and property and flood insurance may be required. Consult your tax advisor on potential tax benefits. Certain states may not be eligible. Other terms and conditions may apply, contact a mortgage representative for details. Prior bankruptcy will require member to pay for a lenders title policy and fees even if borrowing less than $100,000.

**Membership and accounts subject to qualification. Please refer to or contact a Member Service Advisor at 800.873.5100 for terms, conditions and fees. Federally insured by NCUA.



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