Turn Home Inspiration Into Renovation!
It’s easy to imagine what your home could become. With a Home Equity Line of Credit from Quad City Bank & Trust, you can turn those ideas into reality.
Tap into the equity you’ve built in your home to fund the renovations and improvements you’ve been dreaming about. A home equity line of credit can also be used for many other needs—like purchasing a vehicle, paying for a wedding, planning a vacation, covering unexpected expenses, or consolidating debt.
And unlike many credit cards, the interest you pay on a home equity loan may even be tax deductible.*
Start making your plans possible with a Home Equity Line of Credit from Quad City Bank & Trust.
*You should consult your tax advisor concerning interest deductibility.
| Term | Rate (as low as) | APR (1) (as low as) |
| 66M | 6.49% | 6.49% |
A Home Equity Line of Credit offers flexibility as it allows you to borrow money as you need it using your home as collateral. Other benefits:
- Low payment options available2
- No standard closing costs3
- Fixed rate is locked in for the full 66-month term
- Ability to borrow up to available line of credit, as needed
- Principal reduction payments may be made as often as you choose, with no prepayment penalty
1Annual Percentage Rate. Rate ranges from 6.49% - 7.99% depending on credit worthiness and is fixed for the 66-month term of the loan. Rate is accurate as of April 1, 2026 and is subject to credit approval. 2The minimum monthly loan payment required is an interest-only payment based on the outstanding principal balance of the line of credit. If this payment schedule is followed, the loan will not be paid in full at maturity, which is typically 66 months, and a final balloon payment will be necessary to repay the debt. Principal reduction payments may be made as often as you choose, with no prepayment penalty. The maximum HELOC amount is 90% of the home's value, including any existing liens. 3QCBT will pay all standard closing costs for our 66-month fixed rate HELOC. An example of an additional cost - if QCBT needs to order a property evaluation beyond our standard practice. Property Insurance is required for the term of the loan.