*Annual Percentage Rate (APR) effective 4/19/21. Applies to new home equity credit accounts of $5,000 or greater or refinances of existing CIBM Bank accounts with line increases of $10,000 or greater. Promotional rate applies to applications taken through 9/30/21 and closed by 10/31/21 with automatic payment enrollment from a CIBM Bank checking account. (Introductory rate of 1.99% 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 4/19/21 vary from 4.00-18.00% 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.