Home Equity Loan

Use the equity in your home as collateral to guarantee the loan.

Fixed rate and fixed term
Consistent payment for easy budgeting
Borrow one lump sum
Great for a single purpose, large home improvement, or consolidation of debt

View a list of our Federally registered Mortgage Loan Originators.

Home Equity Line of Credit

Use a little or use a lot; this loan type allows you to borrow only what you need right now.

Revolving line of credit
Fixed length varible rate
Payments are interest only
Access your funds via transfer to your CIBM Bank account

Contact the Nearest Branch to Apply for your HELOC

Funds can be used to finance:

Home Improvements
Tuition
Vacation, or
Any Purchase

*Annual Percentage Rate (APR) effective 03/28/25. Introductory rate applies to new home equity credit accounts of $5,000 or greater with automatic payment enrollment from a CIBM Bank checking account. (Introductory rate of 6.49% APR without automatic payment from a CIBM Bank checking account.) Closing fees waived for home equity lines of credit up to $100,000 and range from $400-$2,000 for loans $100,000 or greater. Offer available for owner occupied primary residences only and is subject to credit approval. Property insurance and flood insurance (if applicable) required. Variable rate account. Non-promotional rates as of 03/28/25 vary from 7.50-18.00% APR. Maximum APR will not exceed 18.00%. Early termination fee of $250 will be assessed if credit line is closed within 24 months. (Early termination fee may not be applicable in all states.) Consult a tax advisor regarding the deductibility of interest. Under certain circumstances access to credit can be frozen, reduced or terminated. Limited time offer. Terms and conditions subject to change at any time without notice and cannot be combined with any other offer.