Independent Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Sebewaing M-25 Branch	8880 Unionville Road, Sebewaing, MI 48759	View Lobby Hours
Grand Rapids Downtown Branch	77 Monroe Center Street Northwest, Suite 101, Grand Rapids, MI 49503	View Lobby Hours
Rockford Branch	78 South Main Street, Rockford, MI 49341	View Lobby Hours
Pigeon Branch	75 South Main Street, Pigeon, MI 48755	View Lobby Hours
Bay City Euclid Branch	745 North Euclid, Bay City, MI 48706	View Lobby Hours
Saginaw Valley Branch	7400 Bay Road, Saginaw, MI 48604	View Lobby Hours
Howard City Branch	720 West Shaw, Howard City, MI 49329	View Lobby Hours
Cascade Road Branch	6750 Cascade Road, Grand Rapids, MI 49546	View Lobby Hours
Caseville Branch	6727 Main Street, Caseville, MI 48725	View Lobby Hours
Northgate Branch	655 North Port Crescent Street, Bad Axe, MI 48413	View Lobby Hours
Cass City Branch	6241 Main Street, Cass City, MI 48726	View Lobby Hours
Troy North Branch	5950 Rochester Road, Troy, MI 48085	View Lobby Hours
Bay City Branch	623 Washington Avenue, Bay City, MI 48708	View Lobby Hours
Bridgeport Branch	5500 Dixie Highway, Saginaw, MI 48601	View Lobby Hours
Sparta Branch	525 S State St, Sparta, MI 49345	View Lobby Hours
Sand Lake Branch	5 Third Street, Sand Lake, MI 49343	View Lobby Hours
Shelby Township Branch	49785 Van Dyke Ave, Shelby Township, MI 48317	View Lobby Hours
Fashion Square Mall Branch	4850 Bay Road, Saginaw, MI 48604	View Lobby Hours
Ionia Point Branch	450 S Dexter St, Ionia, MI 48846	View Lobby Hours
Standale Branch	4525 Lake Michigan Dr, Walker, MI 49534	View Lobby Hours
Bloomfield Hills Branch	4140 West Maple Road, Bloomfield Hills, MI 48301	View Lobby Hours
Cedar Springs Branch	4115 17 Mile Road, Cedar Springs, MI 49319	View Lobby Hours
Pinconning Branch	408 Mable Street, Pinconning, MI 48650	View Lobby Hours
North Branch	4046 Huron Street, North Branch, MI 48461	View Lobby Hours
Newaygo Branch	40 N State Street, Newaygo, MI 49337	View Lobby Hours
Big Rapids Branch	404 Perry Street, Big Rapids, MI 49307	View Lobby Hours
Alpine Branch	3800 Alpine Ave Nw, Comstock Park, MI 49321	View Lobby Hours
North Branch Drive Up	3765 Huron Street, North Branch, MI 48461	View Lobby Hours
Livonia Branch	37601 Five Mile Road, Livonia, MI 48154	View Lobby Hours
Saginaw State St Branch	3601 State Street, Saginaw, MI 48602	View Lobby Hours
Clio Branch	3500 West Vienna Road, Clio, MI 48420	View Lobby Hours
Farmington Hills Branch	32900 Middlebelt Road, Farmington Hills, MI 48334	View Lobby Hours
Muskegon Branch	3251 Henry Street, Muskegon, MI 49441	View Lobby Hours
Beverly Hills Branch	32800 Southfield Road, Beverly Hills, MI 48025	View Lobby Hours
Carson City Branch	323 West Main Street, Carson City, MI 48811	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.864%	5.750% 0.63 points $3,969 fees	$1,868	Learn More
NMLS ID: 399799	6.117%	6.000% 0.88 points $4,169 fees	$1,919	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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