Loans and Lines of Credit

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.

Student Loans

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:

  • Loans for college students.
  • A loan option for parents and family members who wish to borrow on behalf of a college student.
  • Multiple student loan refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Please note:

  • All loans offered by ISL Education Lending are subject to credit approval.
  • Before applying for a private loan, we encourage you to first complete the FAFSA [studentaid.gov], or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*Bankers Trust is compensated by ISL Education Lending 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.