HELOC Special Offer

Section Menu

Here for Life's Moments

Life doesn't happen all at once. It unfolds in moments. Some are planned, some surprise us and many begin at home. A home equity line of credit (HELOC) helps you be ready for what's next. Consider a HELOC from Reliance State Bank! With a limited time, up to $400 off your closing costs*, you'll have peace of mind knowing you can access the funds when you need them.

The HELOC is set up for a 5-year period with a variable rate. Simply apply and continue to borrow throughout the 5 years, as needed. You can advance your HELOC at any time, through online/mobile banking transfers, automatic overdraft balance transfers, or by calling or stopping in the bank. It's that easy!

HELOC Features

We'll take care of your closing costs up to $400*, during the promotional period.
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
Credit availability based on loan-to-value and credit score tiers within a 5-year term.
Interest may be tax deductible (Consult your tax advisor)
Homeowner's insurance is required

Use Your HELOC for:

Home Improvements
Landscaping
Remodeling
And More!

Apply Today!

Use our easy online application or call or visit us at one of our convenient locations!

Apply Online OR Finish Existing Application

Contact Us

Contact one of our Home Equity specialists today:

Nathan Dykstra (NMLS #774780) or Denise Fosse (NMLS #1113589) 641-923-2801 \| 515-733-4396 Reach us via email! *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% loan-to-value (credit score 620-700), or 90% loan-to-value (credit score above 701) of your property’s value. You will be required to maintain property insurance. Consult a tax advisor regarding potential deductibility of interest. Variable rate lines available with a current plan rate of 7.00% Annual Percentage Rate (APR), based upon the Prime Rate as the index as published in the Wall Street Journal plus a margin as of March 16, 2026, 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 16.00% APR. Applies to owner-occupied residential real estate only. Processing fees include flood report, title search, credit report, mortgage release fee, origination fee and recording fees; Reliance State Bank will pay up to $400 toward these costs. Not to exceed actual closing costs. The borrower will be responsible for evaluation or appraisal fees (if required), which range from $175-$550. No application, annual, or non-use fees associated with this product.

Menu