Personal Loans

We offer several types of loans for our customer's convenience. Call Two Rivers Bank & Trust's loan professionals at 319-753-9140 and learn about the Two Rivers Bank & Trust way of doing business, or send us an E-Mail at contactus@tworiversbank.com.

Check out our competitive rates. 


Personal loans are designed to fit your budget.  Here are several good reasons for a personal loan:

• New or used car
• Home improvements
• Boat or recreational vehicle
• Educational expenses

Home Equity Loan/Line of Credit is a term loan or line of credit for personal borrowing needs secured by a mortgage on your home. Interest, in many cases, is tax deductible (consult your tax advisor).

Student Loan applications are available for college students interested in Federal Stafford Loans. 

Cash Reserve – Our customers can reduce the worry and embarrassment as well as cost from overdrafts with our Cash Reserve:

• Establishing a line of credit, for those who qualify, which is activated when a designated account is overdrawn.
• Save money – instead of a per check overdraft fee, customers pay only a 12% annual percentage rate on balances over $500 and 15% annual percentage rate on balances under $500.

Fixed Rate - Eliminate the worry from rate fluctuations with a long term fixed rate loan.

Adjustable Rate Mortgages (ARM's) - A good choice for those who prefer to enjoy the benefits of locally processed loans and/or seek more flexible underwriting requirements.

Balloon Rates - Another good choice for those who prefer to enjoy the benefits of locally processed loans and/or seek more flexible underwriting requirements.

Individual Home Acquisition Program (IHAP) - The INDIVDUAL Home Acquisition Program to help those with modest down payments by providing grant funds for closing costs, down payment, or cost of lender required repaired.

FHA - The FHA program is preferred by those seeking a loan of less than $78,660 ($58,995 rural property) with a low down payment.

VA - VA Loans of up to $144,000 are available to veterans with low down payments.

Construction Loans - When it's time to build your dream house, a TRBT construction loan simplifies the process by not only providing funding during the construction process but also converting to long term financing.

Home Equity - Put the equity in your home to work for you. A home equity loan often has a lower rate than other personal loans and may be tax deductible. Consult your tax advisor.

Home Equity Line of Credit - Provides a line of credit secured by the equity in your home. The interest may be tax deductible too. Consult your tax advisor.

Preparing for an Application

Who can help you?

To print an application for a home loan, please click here.

To print off an application for a car or home improvement loan, (not a home equity line of credit), please click here, however, this online application is intended for the use of our existing customers and their families who may, or may not, reside within our trade area, as well as new customers who reside in Burlington or West Burlington, Iowa, and the trade area encompassing both Des Moines County and Henry County,  and the nearest one-half of the contiguous counties of Louisa, Washington, Jefferson, Van Buren, and Lee in Iowa, and Henderson in Illinois.