*Annual Percentage Rate (APR) effective 4/22/19. Applications taken through 9/27/19 and closed by 10/31/19 guarantee advertised rate with automatic payment enrollment from a CIBM Bank checking account. Customers may qualify for 2.99% APR with new home equity account without automatic payment from a CIBM Bank checking account. CIBM Bank 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. Minimum loan amount $5,000. Offer available for owner occupied primary residences only and are subject to credit approval. Advertised rate applies to new home equity credit accounts and refinances with line increases of $10,000 or greater. Property insurance and flood insurance (if applicable) required. Rate after twelve months will vary and is based on credit history, Loan to Value, and tied to Prime. Non-promotional rates as of 4/22/19 vary from 5.50-18.00% 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 may not be applicable in all states.) Consult a tax advisor regarding the deductibility of interest. All terms and conditions of this offer are subject to change at any time without notice. Under certain circumstances access to credit can be frozen, reduced or terminated.