What Home Equity Loans and HELOC programs are available?

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 tax deductible.¹

_{¹You should consult your tax advisor concerning interest deductibility.} 

Why should I choose a Fixed Rate Home Equity Line of Credit (HELOC)?

A Home Equity Line of Credit offers maximum flexibility by allowing you to borrow money exactly when you need it, using your home as collateral. Our 66-Month Fixed Rate HELOC provides predictable security alongside these key benefits:

• Low Interest-Only Payments: Lower your monthly overhead with flexible, interest-only minimum monthly payment options based on your outstanding principal balance.² 
• Zero Standard Closing Costs: Quad City Bank & Trust pays all standard closing costs for our 66-month fixed HELOC.³
• Locked-In Security: Your introductory fixed rate is locked in for the full 66-month term of the line of credit.
  
• Maximize Your Borrowing Power: Access equity and borrow as needed up to your available credit limit.
• No Prepayment Penalties: Enjoy the freedom to make principal reduction payments as often as you choose to pay down your debt faster.

_{¹⁾ Annual Percentage Rate. Rate ranges from 6.74%-8.24% depending on credit worthiness. Rate is accurate as of January 1, 2026, and is subject to credit approval. ²⁾ The 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. Subject to final credit approval. The maximum HELOC amount is 90% of the home's value, including any existing liens. ³⁾ QCBT 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.}

What are the features of a Variable Rate Home Equity Line of Credit (HELOC)?

A Variable Rate Home Equity Line of Credit³ provides continuous flexibility, allowing you to draw funds exactly when you need them by using the equity in your home as collateral. Our 66-Month Variable HELOC comes with these premium benefits:

• Pay No Standard Closing Costs: Quad City Bank & Trust pays all standard closing costs for your 66-month line of credit.⁴
• On-Demand Borrowing Power: Access cash whenever you need it up to your available credit limit.
• Variable Interest Rate: Secure a flexible interest rate structured to align with changing market conditions.
• Flexible Low Payments: Manage your monthly cash flow easily with interest-only monthly payments based on your outstanding principal balance.
• No Prepayment Penalties: Take control of your debt timeline with the freedom to make principal reduction payments as often as you want without penalty.

_{²APR = Annual Percentage Rate. Rates offered as of January 1, 2026. Rates are subject to change without notice. ³Subject to final credit approval. The maximum HELOC amount is 90% of the home’s value, including any existing liens. ⁴QCBT will pay all standard closing costs for our 66-month HELOC.  An example of an additional cost - if QCBT needs to order a property evaluation beyond our standard practice The 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.} 

What are the benefits of a Home Equity Loan?

A Home Equity Loan³ offers long-term financial reassurance by allowing you to borrow a predictable, fixed amount with locked-in terms, completely secured by the equity in your home. Our standard options deliver absolute stability alongside these primary benefits:

• Lump-Sum Funding: Receive your entire approved loan amount all at once in a single lump sum for immediate purchasing power.
• Locked-Rate Predictability: Secure a fixed interest rate paired with a fixed repayment term, ensuring your interest charges never change.
• Fixed Monthly Payments: Plan your monthly budget perfectly with locked monthly payments that cover both principal and interest.
• No Prepayment Penalties: Enjoy the freedom to make principal reduction payments as often as you choose to pay down your loan balance early.

Home Equity Loan Term and Payment Examples

(12-66M) Payment example for borrowers with a credit score of 720 or higher: For a $20,000 loan, and a term of 66 months at 7.47% APR, the monthly payment will be $365.40

(67-120M) Payment example for borrowers with a credit score of 720 or higher: For a $20,000 loan, and a term of 120 months at 7.80% APR, the monthly payment will be $237.30

(60M Balloon) Payment example for borrowers with a credit score of 720 or higher: For a $20,000 balloon loan, and a term of 60 months amortized over 180 months at 7.72% APR, the monthly payment will be $185.29, with a final payment of $15,831.20

_{²APR = Annual Percentage Rate. Rates offered as of January 1, 2026. Rates are subject to change without notice and may vary depending on credit qualifications and term of the loan. ³Subject to final credit approval. The Maximum Home Equity Loan amount is 90% of the home’s value including any existing liens. Payments do not include amounts for taxes and insurance, if applicable, and actual payments will be greater.} 

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 563.388.QCBT and ask to speak with a loan officer. 

How can I buy a car or refinance my auto loan with QCBT?

Quad City Bank & Trust delivers a flexible variety of auto financing solutions designed to help you purchase your dream car or lower the monthly payment on the vehicle you already own. To review your options or request specialized assistance, contact a Relationship Banker at 563.388.QCBT, use our interactive online car loan calculator, or submit your secure online application to get started today!

New Auto Payment Example: For a qualified borrower with a credit score of 720 or higher, a $20,000 auto loan with a term of 84 months at 5.79% APR results in a fixed monthly payment of $290.16.

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 auto loan, with no money down, and a term of 72 months at 5.99% APR, the monthly payment will be $331.36

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 auto loan, with no money down, and a term of 60 months at7.34% APR, the monthly payment will be $399.24

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 auto loan, with no money down, and a term of 36 months at 9.59% APR, the monthly payment will be $641.50

_{* APR = Annual Percentage Rate. Rates offered as of January 1, 2026. Rates are subject to change without notice and may vary depending on credit qualifications and term of the loan. Subject to credit approval.}

What Recreational Vehicle and toy loan options does QCBT offer?

Get out and play! Quad City Bank & Trust provides flexible financing options for all your favorite outdoor toys, including motorcycles, boats, campers, and RVs. Our local lending specialists deliver customizable terms built around your specific recreational goals. Connect with a Relationship Banker at 563.388.QCBT for precision detail or use our secure online application to get started today!

New RV Payment Example: For a qualified borrower with a credit score of 720 or higher, a $20,000 recreational vehicle loan with a term of 84 months at 7.99% APR results in a fixed monthly payment of $311.62

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 recreational vehicle loan, and a term of 72 months at 8.69% APR, the monthly payment will be $357.44

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 recreational vehicle loan, and a term of 60 months at 9.09% APR, the monthly payment will be $416.04

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 recreational vehicle loan, and a term of 36 months at 11.09% APR, the monthly payment will be $655.63

_{¹ APR = Annual Percentage Rate. Rates offered as of January 1, 2026. Rates are subject to change without notice and may vary depending on credit qualifications and term of the loan. Subject to credit approval.}

What personal loan and line of credit options are available?

Quad City Bank & Trust provides structured unsecured lending options and personal revolving lines of credit to handle your upcoming milestones or unexpected expenses seamlessly. Contact a Relationship Banker at 563.388.QCBT for details or use our online loan application to get started today!

Payment example for borrowers with a credit score of 720 or higher: For a $5,000 loan, and a term of 60 months at 11.49% APR, the monthly payment will be $109.94

_{¹APR = Annual Percentage Rate. Rates offered as of January 1, 2026. Rates are subject to change without notice and may vary depending on credit qualifications and term of the loan. Subject to credit approval.}

_{* Base rate equals prime rate as published in The Wall Street Journal.  Personal Line of Credit is a revolving line. The minimum payment is interest only.  The APR may vary. Terms and conditions are subject to change without notice.}

_{*Base Rate equals prime rate as published in The Wall Street Journal. Quad City Line of Credit is a revolving line of credit attached to a Quad City Bank & Trust checking account. Advances in multiples of $50.00, up to the credit limit, are deposited into the checking account at the request of the borrower or whenever the checking account is overdrawn. The minimum payment is 5% of the outstanding loan balance or at least $15.00. The borrower will receive an itemization of the Quad City Line of Credit activity with the checking account statement. If the borrower does not pay at least the minimum payment by the fifteenth day after the statement date, the minimum payment will be withdrawn from the checking account. Request a Quad City Line of Credit Agreement for details.}

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 563.388.QCBT and ask to speak with a loan officer. Our toll-free number is 1-866-676-0551.