Home Equity Line of Credit 2.99% APR16-Month* Introductory Rate Adjusts to a minimum as low as 8.25% APR with auto pay Fund your passion with a HELOCTake advantage of these additional rate discounts after the introductory rate based on eligible deposit accounts held at Illinois Bank & Trust, a division of UMB Bank, n.a..2 Rate DiscountDeposit Account BalanceAPR0.00%$0 - $49,999.99as low as 8.25%0.25%$50,000 - $99,999.99as low as 8.00%0.50%$100,000 - $199,999.99as low as 7.75%0.75%$200,000 and aboveas low as 7.50%$50 annual fee$15 annual fee Speak With One of Our HELOC ExpertsFind a Banker Contact Us to Get Started Contact Us You may also be interested in: Personal Loans New car, your next adventure, an R/V for family road trips - whatever your needs we have financing options for you. See More Personal Checking Accounts Choose the account that’s right for you! We offer a checking solution that fits your life. See More Contact Us to Get Started When submitting this form, a banker will reach out to you to discuss the available loan products offered. Submitting this form does not constitute a loan application.If you reside more than 60 miles from a banking center, we may not consider your request for an application. What type of loan would you like information on? HELOC Vehicle Loan Personal Loan First Name Last Name Phone Number Email City State - Select -AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Zipcode Would you like to add a joint applicant? Yes No Co-Applicant Name Co-Applicant Phone Co-Applicant Email Comments CAPTCHA This question is for testing whether or not you are a human visitor and to prevent automated spam submissions. 1The introductory Annual Percentage Rate (APR) for the first 6 months will be fixed at 2.99% with a cap at $1,250,000 lending limit. The Maximum loan-to-value (LTV) is 85%. After the introductory rate period ends, the loan will become a variable rate loan and subject to change based on changes to the index. The index used to determine the interest rate is the Wall St. Journal Prime Rate. Current index as of 07/10/2025 was 7.50%, plus a margin of 0.75%. Your margin and APR will be based on credit history, eligible deposit account balance with Illinois Bank & Trust, a division of UMB Bank, n.a. and automatic monthly payments. Automatic payment from Illinois Bank & Trust, a division of UMB Bank, n.a. checking account is required or 0.25% will be added to the APR. The minimum APR is 3.25%. Maximum APR is 17.50% on all plans. No origination fee will be charged. Hazard insurance is required, and flood insurance may be required. Third party fees, if applicable, range from $0-$5,000. $50 annual fee will be assessed on the anniversary date of the loan.2Eligible deposit accounts include personal consumer checking, savings, and money market accounts. Funds must be in deposit account prior to final loan approval. The offer is available on new lines only, owner occupied homes. To qualify as a new line, you may not have had a line using the same owner-occupied home as collateral with Illinois Bank & Trust, a division of UMB Bank, n.a. within the past 30 days. Not available on piggyback loans to purchase property, homes that are for sale and/or listed for sale, purchase money HELOCs and refinancing existing bank mortgage or HELOC debt even if new money. Subject to credit approval and normal underwriting guidelines. Contact lender for details. Introductory rate effective for applications received on or after February 21, 2025 and may change at any time.1The introductory Annual Percentage Rate (APR) for the first 6 months will be fixed at 2.99% with a cap at $1,250,000 lending limit. The Maximum loan-to-value (LTV) is 85%. After the introductory rate period ends, the loan will become a variable rate loan and subject to change based on changes to the index. The index used to determine the interest rate is the Wall St. Journal Prime Rate. Current index as of 07/10/2025 was 7.50%, plus a margin of 0.75%. Your margin and APR will be based on credit history, eligible deposit account balance with Illinois Bank & Trust, a division of UMB Bank, n.a. and automatic monthly payments. Automatic payment from Illinois Bank & Trust, a division of UMB Bank, n.a. checking account is required or 0.25% will be added to the APR. The minimum APR is 3.25%. Maximum APR is 17.50% on all plans. No origination fee will be charged. Hazard insurance is required, and flood insurance may be required. Third party fees, if applicable, range from $0-$5,000. $15 annual fee will be assessed on the anniversary date of the loan.2Eligible deposit accounts include personal consumer checking, savings, and money market accounts. Funds must be in deposit account prior to final loan approval.The offer is available on new lines only, owner occupied homes. To qualify as a new line, you may not have had a line using the same owner-occupied home as collateral with Illinois Bank & Trust, a division of UMB Bank, n.a. within the past 30 days. Not available on piggyback loans to purchase property, homes that are for sale and/or listed for sale, purchase money HELOCs and refinancing existing bank mortgage or HELOC debt even if new money. Subject to credit approval and normal underwriting guidelines. Contact lender for details. Introductory rate effective for applications received on or after February 21, 2025 and may change at any time.1The introductory Annual Percentage Rate (APR) for the first 6 months will be fixed at 2.99% with a cap at $1,250,000 lending limit. The Maximum loan-to-value (LTV) is 80%. After the introductory rate period ends, the loan will become a variable rate loan and subject to change based on changes to the index. The index used to determine the interest rate is the Wall St. Journal Prime Rate. Current index as of 07/10/2025 was 7.50%, plus a margin of 0.75%. Your margin and APR will be based on credit history, eligible deposit account balance with Illinois Bank & Trust, a division of UMB Bank, n.a. and automatic monthly payments. Automatic payment from Illinois Bank & Trust, a division of UMB Bank, n.a. checking account is required or 0.25% will be added to the APR. The minimum APR is 3.25%. Maximum APR is 10.00% on all plans. No origination fee will be charged. Hazard insurance is required, and flood insurance may be required. Third party fees, if applicable, range from $0-$5,000. Third party fees will be waived except for appraisal fee. No annual fee.2Eligible deposit accounts include personal consumer checking, savings, and money market accounts. Funds must be in deposit account prior to final loan approval.The offer is available on new lines only, owner occupied homes. To qualify as a new line, you may not have had a line using the same owner-occupied home as collateral with Illinois Bank & Trust, a division of UMB Bank, n.a. within the past 30 days. Not available on piggyback loans to purchase property, homes that are for sale and/or listed for sale, purchase money HELOCs and refinancing existing bank mortgage or HELOC debt even if new money. Subject to credit approval and normal underwriting guidelines. Contact lender for details. Introductory rate effective for applications received on or after February 21, 2025 and may change at any time. IMPORTANT NOTE WHEN CLICKING THROUGH TO EXTERNAL WEBSITES: When clicking on links within the video, you will be linking to another website not owned or operated by Illinois Bank & Trust, a division of UMB Bank, n.a.. Illinois Bank & Trust, a division of UMB Bank, n.a. is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. We encourage you to review their privacy and security policies which may differ from Illinois Bank & Trust, a division of UMB Bank, n.a.