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 through our Contact Us page.

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 Loans - Two Rivers Bank & Trust is an Iowa Student Loan Liquidity Company (ISLLC) approved lender.  Two Rivers has no control over who receives loans or the loan type.  Apply directly through your school's financial aide department by filling out a FAFSA application.  Please speak to your financial aid department and go to the ISLLC website at www.studentloan.org for more information.

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.

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.

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.

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