Limited-Time HELOC Special
Flexible access to your home’s equity with $0 closing costs
A Home Equity Line of Credit (HELOC) gives you ongoing access to funds backed by the equity in your home.
Some expenses happen all at once. Others happen over time. A HELOC gives you flexibility to borrow as projects and expenses take shape.
Local decisions. Local support. A process designed to keep moving.
$0 closing costs available on new HELOCs through September 30.*
How a HELOC works
A HELOC is a revolving line of credit tied to the equity in your home.
Once approved, funds can be accessed as needed instead of receiving one full lump sum upfront. As balances are repaid, available funds become accessible again.
A HELOC gives you flexibility to borrow over time while staying in control of how and when funds are used.
Common uses for a HELOC
A HELOC may be used for:
- Home improvements and updates
- Repairs and maintenance
- Landscaping or outdoor projects
- Larger planned expenses
- Ongoing projects completed over time
- Emergency access to funds
Local lending support
Work directly with local lenders who review applications and make decisions locally to help keep the process moving forward.
Questions can be discussed with someone who understands your goals and your timeline.
Start your HELOC application
Apply online or contact our lending team to learn more about our limited-time HELOC special.
*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.
