You’ve got big plans, and Bankers Trust has the loans and lines of credit to help you 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 new vehicle, 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 90% 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

*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.

CLTV*TermAPR**​Repayment
Up to 90%60 MoPrime + 0.25%. Today this would be 7.75%Interest Only Payments​
Up to 90%120 MoPrime + 0.50%. Today this would be 8.00%Interest Only Payments

** The APRs listed in the table above are effective as of July 17th, 2025, and are subject to change without notice. APR is variable and may change over the term of the loan. Offer subject to credit approval. The account will never have an APR over 21%. Other rates and terms are available, but restrictions may apply. Where permitted by state law, there will be a $15 annual fee. Rates advertised are based on a 700 credit score and 90% CLTV*

Illustrative Example

The 60-month HELOC with APR of 7.75% is specifically based on a $25,000 loan amount with variable rate feature. Your “Regular Payment” will equal the amount of your accrued interest. Minimum monthly payments are due for 59 payments with final payment of any remaining Principal Balance plus interest. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment.  An increase in the APR may increase the amount of your Regular Payment. The variable rate is based on the highest Prime Rate published each day in The Wall Street Journal Money Rates Table (the “index”) plus a 0.25% margin. The Prime Rate has been 7.50% since December 19, 2024.

HELOC disclosures contain important information regarding rates, payment terms, fees, and other cost information.

Home Equity Loan

As a homeowner, 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 90% combined loan to value (CLTV)*
  • Available in 5-year, 10-year and 15-year terms
  • Loan amounts available as low as $5,000

*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.

For qualified borrowers different terms and conditions may apply based on loan to value. For all of our home equity loans, the following apply. 

  • Illustrative Annual Percentage Rates (APRs) applies only to loans secured by owner-occupied real estate.
  • Property insurance is required.
  • Approximate appraisal fees are $350.00 to $1,000.00.
  • Other loan fees are approximately $170.00 to $300.00.

Closed-End Home Equity Installment – Fixed Rate

CLTV*Maximum TermInterest RateAPR**
Up to 90%60 Mo7.750%7.773%
Up to 90%120 Mo8.250%8.265%
Up to 90%180 Mo8.750%8.763%

**The APRs listed in the table above are effective as of July 17th, 2025, and are subject to change without notice. The above APRs are available for a limited time only. Other rates and terms are available, but restrictions may apply. Stop in or call today for Closed-End Home Equity Loan terms. Rates are based on a 700 credit score and 90% CLTV*. Rates and terms are subject to change. Offer subject to credit approval.

Illustrative Example 

The APR of 7.773% is based on a loan amount of $25,000 for 5 years (60 months). Payment for this APR is 59 payments of $504.07 and a final payment of $504.28.

The APR of 8.265% is based on a loan amount of $25,000 for 10 years (120 months). Payment for this APR is 119 payments of $306.76 and a final payment of $306.84.

The APR of 8.763% is based on a loan amount of $25,000 For 15 years (180 months). Payment for this APR is 179 payments of $250.00 and a final payment of $248.79.

Payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be greater.

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:

  • Variable interest rate
  • Available in 24-month term
  • Minimum loan amount of $5,000
ProductTerm AvailableAPR*
PLOC24 MonthsPrime + 1.25%. Today this would be 8.75%.

* The APR listed in the table above is effective as of July 17th, 2025, and is subject to change without notice. Rate is based on a 700 credit score. Rate and terms are subject to change. Other rates and terms are available, but restrictions may apply. Where permitted by state law, there will be a $15 annual fee. Offer subject to credit approval.

Illustrative Example

The 24 month PLOC with APR of 8.75% is specifically based on a $10,000 loan amount with variable rate feature. Your “Regular Payment” will equal the amount of your accrued interest. Minimum monthly payments are due for 23 payments with final payment of any remaining Principal Balance plus interest. The minimum payment may not fully repay the principal that is outstanding on your PLOC and your final payment will be a single balloon payment. An increase in the APR may increase the amount of your Regular Payment. The variable rate is based on the highest Prime Rate published each day in The Wall Street Journal Money Rates Table (the “index”) plus a 1.25% margin. The Prime Rate has been 7.50% since December 19, 2024.

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:

  • Fixed interest rate
  • Available in 36-month term
  • Minimum loan amount of $5,000
ProductTerm AvailableInterest RateAPR*
Unsecured Loan36 Months9.500%9.509%

* The APR listed in the table above is effective as of July 17th, 2025, and is subject to change without notice. Other rates and terms are available, but restrictions may apply.​ Rate is based on a 700 credit score. Rate and terms are subject to change.

Illustrative Example

The APR of 9.509% is based on a loan amount of $5,000 for 3 years (36 months). Estimated payment for this APR is 35 payments of $160.19 and a final payment of $159.99.​

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
ProductTerms AvailableAPR*
Checking ReserveRevolving18.500%

* The APR listed in the table above is effective as of July 17th, 2025, and is subject to change without notice. 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.

YearTerm (Months)Loan To ValueInterest RateAPR*
2024 and Newer72100%8.500%8.508%
2024 and Newer7290%8.250%8.257%
2024 and Newer60100%8.250%8.258%
2024 and Newer6090%8.000%8.008%
2020-202360100%8.750%8.758%
2020-20236090%8.500%8.508%
2020-202348100%8.500%8.508%
2020-20234890%8.250%8.258%
2018-201960100%9.000%8.989%
2018-20196090%8.750%8.758%
2018-201948100%8.750%8.759%
2018-20194890%8.500%8.508%

*Illustrative Examples:

The APR is based on a $25,000 loan amount and 700 credit score.

For a 72 month loan, on a 2024 and newer vehicle year, with 100% Loan to Value, the APR would be 8.508%. You would have 71 regular payments of $444.55 and a final payment of $444.91.

For a 60 month loan, on a 2018-2019 vehicle year, with 100% Loan to Value, the APR would be 8.989%. You would have 59 regular payments of $518.83 and a final estimated payment of $518.56.

The APRs listed in the above table correspond to year of vehicle, are effective as of July 17th, 2025, and are subject to change without notice. Your actual APR may vary based on your credit score.

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 Free Application for Federal Student Aid, or FAFSA . 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.