Limited-Time HELOC Special
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Here for Life's Moments
Life does not happen all at once. It unfolds over time. Some moments are planned. Others are not. Many begin at home. A Home Equity Line of Credit (HELOC)can help you be ready for what comes next.
For a limited time, Iowa State Savings Bank is offering no closing costs on a new Home Equity Line of Credit*. You will have access to funds when you need them, with a structure that gives you flexibility along the way.
Our HELOC offers a convenient 15-year draw period, with no closing costs* and no prepayment penalty. Once approved, you can borrow as needed. Access your funds anytime through online or mobile banking, automatic transfers, or by contacting us.
Apply Online
Benefits of a HELOC
- Variable-rate financing.
- Access funds when you need them
- Revolving line of credit - allows you to borrow and pay down, then borrow again as needed.
- Monthly repayment amount based on outstanding balance
- Interest may be tax deductible (Consult your tax advisor)
- Funds may be advanced through online/mobile banking transfers, phone transfers, or in person.
- Automatic Overdraft Balance Transfer is available
- Homeowner's insurance is required
Use Your HELOC for:
- Home Improvements
- Landscaping
- Remodeling
- Emergencies
- And More
Ready to Get Started?
Complete your application online or contact us to learn more.
Apply Online
*No closing costs on new equity lines of credit. This promotional offer is available for new applications submitted from April 1, 2026, through September 30, 2026. Your approval rate and credit limit will be based upon your creditworthiness and property value. The maximum amount of total loans with us, and others, including this request, may not exceed 80% of your property’s value. You will be required to maintain property insurance. Consult a tax advisor regarding potential deductibility of interest. Variable rate 180-month term, minimum loan amount $15,000. Minimum credit score of 700. Current plan rate of 6.75% Annual Percentage Rate (APR), based upon the Prime Rate as the index as published in the Wall Street Journal and is subject to change without notice. These rates may change due to an increase or decrease in the Prime Rate, however, it will never be less than 5.00% APR, or more than 18.00% APR. Applies to owner-occupied residential real estate only.
Iowa State Savings Bank will pay closing costs which include appraisal (if required), flood report, title search, credit report, mortgage release fee, origination fee and recording fees. No application, annual, or non-use fees associated with this product.