Dubuque Bank and Trust
Home Equity Lines of Credit

Use the equity you’ve built in your home to fund your other dreams.

Big Life moments begin with a home equity line of credit.

Life plans can start big or small - we have a financial solution to fit them all. Apply now, find a personal banker, or visit your nearest banking center today to get started. Click "Apply Now" to print the application. Submit completed application in "Messages" via Online Banking. Contact us to submit application if you do not have Online Banking. Normal underwriting guidelines apply.

Apply Now

2.99% APR 6-month1 introductory rate

Adjusts to a minimum as low as 4.25% APR

Get up to
$500 off closing costs2

 

Graduation

Pay For College

 

Debt

consolidate Debt

 

Make Home additions

 

Finance a wedding

1Annual Percentage Rate (APR) shown above is variable after 6-month introductory rate and subject to change without notice. Promotional APR for loan-to-value (LTV) between 80% - 90% will be 4.24%. After the introductory rate, the index used to determine the interest rate is the Wall St. Journal Prime Rate. Index as of 04/01/2020 was 3.25%, plus a margin of 0%. The margin and APR will be based on credit history and loan-to-value at loan closing. The minimum APR for plans with an 80% or less LTV is 4.25% and LTV between 80%-90% will be 5.50%. Maximum APR is 17.50% on all plans. $15 annual fee will be assessed on the anniversary date of the loan. $75 origination fee will apply. Third-party fees, if applicable, range from $0 - $2,800. Hazard insurance is required and flood insurance may be required. The introductory rate is available on new lines only. Not available on piggyback loans to purchase property, homes that are for sale and/or listed for sale, loans secured by investment property, HELOC used for purchase money. Excludes VIP HELOCs. Excludes refinancing existing bank mortgage or HELOC debt even if new money. Subject to credit approval and normal underwriting guidelines. Contact a lender for details. Offer valid on owner occupied homes. Apply by 03/31/2020.

2The lender will bear the lender and third party fees up to the lesser of the actual cost incurred or $500.00. Any costs exceeding this amount are the responsibility of the borrower. See lender for details. Apply by 3/31/2020.