Holiday Hours: We will be closed on Monday, September 2, 2024 in observance of Labor Day.
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Click “OK” to continue or “Cancel” to go back
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You are now leaving the Independent Bank website.
Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.
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A: 3025 Boardwalk Drive Suite 260 Ann Arbor MI 48108
P: 734-545-7124
A: 1004 W. Midland Road Auburn, MI 48611
P: 989.662.4403
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday CLOSED
A: 655 N. Port Crescent Bad Axe, MI 48413
P: 989.269.6471
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 745 N. Euclid Ave. Bay City, MI 48706
P: 989.684.6021
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
A: 623 Washington Ave. Bay City, MI 48708
P: 989.892.3511
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
A: 130 S. Bridge St. Belding, MI 48809
P: 616.794.0600
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 111 E. Capital Ave. Bellevue, MI 49021
P: 269.763.9424
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 32800 Southfield Road Beverly Hills, MI 48025
P: 248.647.5900
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 404 Perry Ave., Suite A Big Rapids, MI 49307
P: 231.796.5865
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 8700 N. Second St, Brighton, MI 48116
P: 810.819.8005
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
A: 201 N. Mitchell St., Suite 104 Cadillac, MI 49601
P: 231.942.7156
Monday - Friday 9:00 am - 5:30 pm
A: 1111 W. Caro Road Caro, MI 48723
P: 989.673.5656
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 323 W. Main St. Carson City, MI 48811
P: 989.584.3118
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 6727 Main St. Caseville, MI 48725
P: 989.856.2225
April 1 - September 30
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
October 1 - March 31
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 4:30 pm
April 1 - September 30
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
October 1 - March 31
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
A: 6241 Main St. Cass City, MI 48726
P: 989.872.2105
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 4115 17 Mile Road Cedar Springs, MI 49319
P: 616.696.0050
Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 129 Lansing St. Charlotte, MI 48813
P: 517.543.4994
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 8:30 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 19176 Hall Road Suite 150, Clinton Township, MI 48038
P: 586.327.1318
Monday - Friday 8:30 am - 5:00 pm
A: 3500 W. Vienna Road Clio, MI 48420
P: 810.687.6710
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 7389 Croton Hardy Dr. Newaygo, MI 49337
A: 16030 Michigan Ave., Suite 210 Dearborn, MI 48126
P: 313.446.8670
Monday - Friday 9:00 am - 5:00 pm
A: 3100 Woodward Ave Suite 102, Detroit MI 48201
P: 248.952.4914
Wednesdays: 9 - 2 pm
Monday - Saturday: By Appointment Only
A: 1380 W. Lake Lansing Road East Lansing, MI 48823
P: 517.203.3800
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:30 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 2900 West Road East Lansing, MI 48823
P: 517.324.7400
Monday - Friday 9:00 am - 5:00 pm
A: 2461 S. Michigan Road Eaton Rapids, MI 48827
P: 517.663.4108
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 1615 W. Center Ave. Essexville, MI 48732
P: 989.893.4563
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Sunday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
A: 275 Springside Drive., Suite 101, Fairlawn, OH 44333
P: 234.815.1501
By Appointment Only
A: 32900 Middlebelt Road Farmington Hills, MI 48334
P: 248.539.4600
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 1014 S Beacon Blvd Grand Haven MI 49417
P: 616.836.9261
A: 6750 Cascade Road SE Grand Rapids, MI 49546
P: 616.949.2189
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 77 Monroe Center Ave. NW, Suite 1200 Grand Rapids, MI 49503
P: 616.458.7045
Monday - Friday 8:30 am - 5:00 pm
A: 4200 E. Beltline Grand Rapids, MI 49525
P: 616.363.1207
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday Closed
A: 77 Monroe Center NW Grand Rapids, MI 49503
P: 616.458.7045
A: 3090 Plainfield NE Grand Rapids, MI 49505
P: 616.447.0900
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 4525 Lake Michigan Dr. Walker, MI 49534
P: 616.735.2293
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 4150 E Beltline Grand Rapids MI 49525
P: 616-304-2009
A: 12368 Riley St, Holland, MI 49424
P: 616.344.2470
Monday - Friday 9:00 am - 4:30 pm
Saturday - By Appointment
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
A: 210 Central Ave Holland MI 49423
P: 616.836.9261
A: 720 W. Shaw Howard City, MI 49329
P: 231.937.4374
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 230 W. Main St. Ionia, MI 48846
A: 450 S. Dexter St. Ionia, MI 48846
P: 616.527.7500
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 2551 S. State St. Ionia, MI 48846
A: 2280 South 11th St Kalamazoo MI 49009
P: 269-569-7254
A: 5854 State St. Kingston, MI 48741
A: 144 S. Main St. Leslie, MI 49251
P: 517.589.8222
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 37601 W. Five Mile Road Livonia, MI 48154
P: 734.591.4400
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 2593 S. Van Dyke Marlette, MI 48453
P: 989.635.3541
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 190 W. Kipp Road Mason, MI 48854
P: 517.244.9361
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 409 Ashman Midland , MI 48640
P: 989-486-6216
A: 3251 Henry St. Muskegon, MI 49441
P: 231.830.3999
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 41 N. State Rd. Newaygo, MI 49337
P: 231.652.1665
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 4:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 199 W. River Valley Newaygo, MI 49337
A: 4046 Huron St. North Branch, MI 48461
P: 810.688.3051
A: 3765 Huron St. North Branch, MI 48461
P: 810.688.4727
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 2119 Hamilton Road Okemos, MI 48864
P: 517.381.0817
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday CLOSED
A: 112 S Main St, Olivet, MI 49076
24 Hour ATM Service
A: 7237 Nitz Street, Pigeon, MI 48755
24 Hour ATM Service
A: 408 Mable St. Pinconning, MI 48650
P: 989.879.2747
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
A: 11628 Bunkerhill Road Pleasant Lake, MI 49272
P: 517.769.2200
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 1601 Grand River Ave. Portland, MI 48875
P: 517.647.7547
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
A: 320 E Vermontville Hwy, Potterville, MI 48876
24 Hour ATM Service
A: 348 Main St. Rives Junction, MI 49277
A: 78 S. Main St. Rockford, MI 49341
P: 616.866.4471
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 28 N Monroe Rockford MI 49341
P: 616-304-2009
A: 1445 N. Center Road Saginaw, MI 48638
P: 989.799.1673
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 5500 Dixie Highway Saginaw, MI 48601
P: 989.777.1661
A: 4850 Bay Road Saginaw, MI 48604
P: 989.799.0070
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
A: 3601 State St. Saginaw, MI 48602
P: 989.799.0720
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 5580 State St Suite 5 Saginaw MI 48603
P: 989-799-3159
By Appointment Only
A: 5 S 3rd St. Sand Lake MI 49343
P: 616.636.8881
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 4:30 pm
Saturday - closed
Monday - Friday 9:00 am - 5:0 pm
Saturday 9:00 am - 12:00 pm
A: 29 Church Street Saranac, MI 48881
P: 616.642.9406
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 4:30 pm
Saturday - closed
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
A: 8880 Unionville Road Sebewaing, MI 48759
P: 989.883.3310
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 49785 Van Dyke Ave. Shelby Township, MI 48317
P: 586.731.6130
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 250 Broadway St South Haven MI 49090
P: 269-569-7254
A: 525 S. State St. Sparta, MI 49345
P: 616.887.8277
Monday - Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 209 S. Main St. Standish, MI 48658
P: 989.846.4595
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 93 W. Fourth St., Suite D Suttons Bay, MI 49682
P: 231.995.5565
Monday - Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
A: 4011 Eastern Sky Dr. Traverse City, MI 49684
P: 231.995.5540
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 333 W. Grandview Parkway Traverse City, MI 49684
P: 231.995.5508
A: 1239 S. Garfield Traverse City, MI 49686
P: 231.995.5575
Monday - Friday 9:00 am - 4:30 pm
Monday - Friday 9:00 am - 5:00 pm
A: 201 W. Big Beaver Road Troy, MI 48084
P: 248.689.1200
Monday - Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
A: 201 W. Big Beaver Rd., Suite 201 Troy, MI 48084
P: 248.918.5690
Monday - Friday 9:00 am - 5:00 pm
A: 6586 Center St. Unionville, MI 48767
A: 194 Main St. Vermontville, MI 49096
A: 1075 Wilcox Ave. White Cloud, MI 49349
P: 231.689.6608
Monday - Friday 9:00 am - 4:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
A: 1245 E. Grand River Road Williamston, MI 48895
P: 517.655.2168
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 109 E Main St Zeeland MI 49464
P: 616.836.9261
By Appointment Only
A home equity line of credit, often referred to as a HELOC, is a loan that allows you to borrow, spend, repay, and borrow again as you need it, using your home as collateral. Typically, you can borrow up to a specified percentage of your equity.
With a HELOC, you borrow against your equity. Equity is the value of your home minus the amount you owe on your mortgage. At Independent Bank, we have HELOCs that let you borrow up to 90% of the home's value.
With a HELOC, you’re not borrowing a single lump sum upfront. Instead, you’re opening a revolving line of credit that you can tap into as you choose - a lot like how a credit card works. How much you use and when you decide to access it is up to you.
When paying back your HELOC funds, you’re required to make minimum monthly payments, which are interest-only or a minimum of $50.00; whichever is greater. You can pay off the principal in a single lump-sum or over time like you do with your mortgage.
The best thing about a HELOC is the flexibility!
Here are just a few ideas on how you could use a HELOC:
Enhance your living space, increase your property's value, or take on those long-awaited renovation projects.
Streamline your finances by paying off high-interest debts like credit cards or personal loans, potentially saving you money on interest.
Your HELOC can serve as a financial safety net, providing quick access to funds during unexpected emergencies or unforeseen expenses.
Fulfill your wanderlust by using your HELOC to fund memorable vacations and adventures.
Experienced investors may use their HELOC to fund opportunities like real estate investments or other income-generating ventures.
Whether it's a new vehicle, a boat, or another significant purchase, your HELOC can make it possible without depleting your savings.
If you dream of entrepreneurship, your HELOC can be a valuable resource to launch or expand your business.
Create unforgettable moments by using your HELOC to finance weddings, milestone celebrations, or family gatherings.
Easily transfer funds from your HELOC into your checking account via ONE Wallet, use your Equity Access MasterCard®, or visit a branch.
Flexibility is at your fingertips.
Loan-To-Value^ | APR^^ (As Low As) |
Up to 80.00% | 8.25% |
Up to 90.00% | 9.74% |
*No Origination Fees. 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 HELOC excluded. Must be in a second lien position and minimum line must be greater than or equal to $10k and maximum line must be less than or equal to $250k to be eligible for No Fee. NOTE: First Lien HELOC and over $250k 2nd lien HELOC will receive a $200 credit toward closing costs in lieu of No Fee promotion. Must have an IB account OR draw $25k at close to be eligible for No Fee. HELOC must be “new money” to IB; Refinance of an existing IB HELOC eligible ONLY if new line is at least $10,000 more than prior commitment line. Loan must meet standard HELOC product origination guidelines. Subject to standard credit and underwriting approval. For additional information about interest rates, contact your local office. Taxes and insurance required. Promotion starts June 11, 2024. Promotion ends August 31, 2024.
^^Annual Percentage Rate (APR). Rate available for well-qualified borrowers with new HELOCs opened 06/11/24. 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. ^Loan-To-Value: Total of first and second mortgage balances and commitments divided by the value of the real estate pledged. Home equity lines of credit are available for homes located in Michigan or Ohio. Subject to standard underwriting guidelines.