Loans and Lines of Credit

Worried about loan payments in the midst of the coronavirus outbreak? Give us a call to talk about options.

Bankers Trust will provide individualized support for our customers to meet their specific needs while following guidelines set by the government.

If you need assistance with loan restructuring for mortgage or consumer loans (including auto, home equity, lines of credit and unsecured loans), please contact your banker, local branch, or Customer Service at 1-800-362-1688.


You’ve got big plans, and Bankers Trust has the loans and lines of credit to make them happen. Our collection of loans and other lending products fits a variety of personal banking needs, whether you’re planning for major home renovations, education, a vacation or another significant expense. Loan applications can easily be completed online or at any Bankers Trust location.

Home Equity Line of Credit (HELOC)

When you’ve built equity in your home, you’re able to put that equity to work through a home equity line of credit. A HELOC is a revolving line of credit that allows you to take out only as much money as you need, up to the predetermined credit limit. HELOCs feature:

  • Variable interest rate
  • Up to 80% combined loan to value (CLTV)*
  • Available in 5-year or 10-year draw terms (Balloon payment may result)
  • Line amounts as low as $5,000
  • Learn more about our rates

*Combined Loan to Value: The total of all liens on your property divided by the value of your property. Certain restrictions may apply. Offer subject to credit approval.

Home Equity Loan

As a home owner, borrowing against the equity in your home is one way to refinance major expenses such as home improvements or medical bills. Home equity loans feature:

  • Fixed interest rate
  • Up to 80% combined loan to value (CLTV)*
  • Available in 5-year, 10-year and 15-year terms
  • Loan amounts available as low as $5,000
  • Learn more about our rates

*Combined Loan to Value: The total of all liens on your property divided by the value of your property. Certain restrictions may apply. Offer subject to credit approval.

Personal Line of Credit

A personal line of credit may be used for any personal expense, such as home or vehicle repairs. Bankers Trust’s personal lines of credit feature:

Unsecured Loan

A Bankers Trust unsecured loan provides a loan option for nearly any situation, whether financing a wedding or making a significant purchase. Features include:

Checking Reserve

We offer checking reserve to qualified Bankers Trust checking account customers. This line of credit automatically covers overdrafts up to the approved credit limit.

  • Fixed interest rate
  • APR* 18.50%
  • Revolving term
  • Overdraft protection

* Other rates and terms are available, but restrictions may apply. Where permitted by state law, there will be a $30 annual fee. The minimum advance amount is $100.00. Your regular payment will be the greater of $10.00 or all accrued interest charges and any past due principal plus 4% of the average principal balance for the current billing cycle.​

Auto Loans

When you’re in the market to purchase a vehicle, Bankers Trust can help. We offer fixed rates and financing for up to 100% of the purchase price with a maximum term of 72 months, based on the year of the vehicle. See our rate sheet for additional details.

Partnership Student Loans

We work with Iowa Student Loan, the state’s nonprofit student loan experts, to offer competitively priced supplemental private loans to help you pay for college.* With these loans, you know what you’re getting before you apply as all terms and conditions, including credit score requirements for specific rates, are provided up front. In addition, there are no upfront origination fees and you can earn an interest rate reduction for making payments by auto-debit in repayment.

  • The Partnership Advance Education Loan (Partnership Loan) is for students and their cosigners.
  • The College Family Loan is for parents, family members and others who wish to borrow on behalf of a student.

*Note: Both the Partnership Loan and College Family Loan are subject to credit approval. Bankers Trust is compensated by Iowa Student Loan for the referral of student loan customers.

About the Application Process

When you apply for a Bankers Trust loan or line of credit, you will need to provide:

  • Employment and income history
  • Debt information
  • Social Security number
  • Date of birth

Additional Information

Questions before you get started? Contact us via the form below.

  • Name * Required
  • Preferred Method of Contact * Required
  • Area of Inquiry * Required