Home Equity Line of Credit

2.99% APR1
6-Month* Introductory Rate

Adjusts to a minimum as low as 8.25% APR with auto pay

Fund your passion with a HELOC

Take 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 BalanceAPR
0.00%$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

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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 05/01/2025 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 05/01/2025 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 05/01/2025 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.

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