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

Make Home Improvement Dreams a Reality

With our 12 month introductory rate promotion now is the time.

2.49% APR* for the first 12 months with auto pay from checking account
Compare to 5.75% APR* or higher non-intro rate

*Annual Percentage Rate (APR) effective 3/21/22. 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 2.99% 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 6/16/22 vary from 5.75-18.00% 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 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. All terms and conditions of this offer are subject to change at any time without notice and cannot be combined with any other offer.