Maximize Your Earnings

Open a New Checking Account & Earn up to $500*

When you swipe your Independent Bank Debit Mastercard, the more you swipe, the more you earn.

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Loans

Marine & RV Loans as low as

7.77%

APR

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HELOCs as low as

7.0%

APR

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Savings & Investment Rates

Certificates of Deposit (CDs) up to

3.76%

APY

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Money Market Accounts up to

1.97%

APY

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What Our Customers Have to Say:

"I couldn't have asked for a better experience! Being a first-time homebuyer in an unfortunate situation had me scared beyond belief. Jeff was there every step of the way, and I am so glad that I had the opportunity to work with Independent and partner with Jeff for this process. He truly has your best interest at heart."

Caitlyn B.

Mortgage Customer

"Wonderful people to work with. Very insightful, courteous, helpful. Answered all questions exactly the way I would want (not beating around the bush). Thank you, ladies. I look forward to working with you again in the future."

Robert R.

Consumer Lending Customer

"Since the time we started doing business with Independent Bank, our company has grown in every key metric. Being a trusted ally, a valued partner, and also involved in our annual strategic planning process has helped our business continue to thrive and grow year after year."

Mark Kimball

President & CEO, MOSS

One of World's Best Banks 2024

Forbes

2025, Second Consecutive Year

Newsweek

2026, Fourth Consecutive Year

Great Place to Work®

One of America's Best Banks 2025

Forbes

Preferred Lender Status

U.S. Small Business Admin (SBA)

Class of 2024 Piper Sandler Sm-All Star

Piper | Sandler

One of Michigan's Best In State Banks

Forbes

Community Bankers Cup 2024

Raymond James

*Up to $500 example based upon an average daily balance of $10,000 and 46 or more debit card swipes each statement period. Interest of 0.10% APY will be paid on balances over $10,000.01.

** 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.