Use your home's equity for your next big purchase!

It’s easy to envision where you want to go with a Home Equity Loan or Line of Credit from Quad City Bank & Trust. Access the equity you have in your home to pay for virtually ANYTHING - vehicles, weddings, remodeling projects, vacation, unexpected costs, or consolidating your debt. Unlike credit cards, the interest you pay on your Home Equity Loan may even be fully deductible.1

Fixed Rate Home Equity Line of Credit2

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:

  • Pay no standard closing costs3
  • Ability to borrow up to available line of credit, as needed
  • Fixed rate is locked in for the full 66-month term
  • Interest-only monthly payments4
  • Principal reduction payments may be made as often as you choose, with no prepayment penalty

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Clients with existing home equity products must increase their balance / limit by a minimum of $5000 to qualify. No additional discounts apply.

Variable Rate Home Equity Line of Credit5

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:

  • Pay no standard closing costs3
  • Ability to borrow up to available line of credit, as needed
  • Variable interest rate
  • Interest-only monthly payments4
  • Principal reduction payments may be made as often as you choose, with no prepayment penalty

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Home Equity Loan5

A Home Equity Loan offers reassurance as you can borrow a fixed amount with fixed terms, secured by the equity in your home. Other benefits:

  • Money is received in one lump sum
  • Fixed interest rate with a fixed term
  • Fixed monthly payment (principal and interest)
  • Principal reduction payments may be made as often as you choose, with no prepayment penalty

To learn more about your options and our competitive rates and terms, call to speak with an Account Executive at 563.468.6277.

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Apply online, by phone, or come to one of our convenient locations.

Please note: Quad City Bank & Trust originates loans in the following counties - Scott County, IA and Rock Island County, IL. If you reside outside of these counties, please contact Customer Care at 563.468.6277 and ask to speak with a loan officer. 

Contact an Account Executive

Fill out this form to have an Account Executive contact you regarding our Home Equity Line of Credit options and to answer any questions you may have.


1You should consult your tax advisor concerning interest deductibility.
2Subject to final credit approval. The fixed rate line of credit or loan amount you can qualify is based on your home's Loan to Value ratio, payment term, income, and credit history.
QCBT will pay all standard closing costs for our 66-month fixed and variable rate HELOC. Additional costs will be at the borrower's expense. An example of an additional cost - if QCBT needs to order a property evaluation beyond our standard practice. All closing costs will be at the expense of the borrower for a 1-year HELOC including a $200 processing fee.
4The 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.
5Subject to final credit approval. The variable rate line of credit or loan amount you can qualify is based on your home's Loan to Value ratio, payment term, income, and credit history.