Two Rivers Bank & Trust - Nationwide Branches

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Branch	Address	View Lobby Hours
Lee County Bank	801 Avenue F, Fort Madison, IA 52627	View Lobby Hours
West Point Branch	504 Avenue D, West Point, IA 52656	View Lobby Hours
Drive In Branch	2501-05 Avenue L, Fort Madison, IA 52627	View Lobby Hours
Coralville Branch	3292 Ridgeway Drive, Suite A, Coralville, IA 52241	View Lobby Hours
Roosevelt Branch	909 Roosevelt Avenue, Burlington, IA 52601	View Lobby Hours
Ankeny Branch	802 Se Oralabor Road, Suite 126, Ankeny, IA 50021	View Lobby Hours
Iowa City Branch	551 Westbury Road, Iowa City, IA 52245	View Lobby Hours
New London Branch	503 West Main Street, New London, IA 52645	View Lobby Hours
Regency Branch	4500 Westown Parkway, West Des Moines, IA 50266	View Lobby Hours
Merle Hay Road Branch	4500 Merle Hay Road, Des Moines, IA 50310	View Lobby Hours
4320 Westown Parkway Branch	4320 Westown Parkway Ste 100, West Des Moines, IA 50266	View Lobby Hours
West Burlington Branch	1066 South Gear Avenue, W. Burlington, IA 52601	View Lobby Hours
Two Rivers Bank & Trust	222 North Main Street, Burlington, IA 52601	View Lobby Hours
Mediapolis Southeast Security Branch	105 Main Street, Mediapolis, IA 52637	View Lobby Hours
Mount Pleasant Branch	100 West Washington Street, Mount Pleasant, IA 52641	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1661781	6.122%	6.000% 1.00 points $4,373 fees	$1,919	Learn More
NMLS ID: 2578474	6.240%	6.125% 0.88 points $3,930 fees	$1,945	Learn More
NMLS ID: 447490	6.367%	6.250% 0.75 points $3,958 fees	$1,971	Learn More
NMLS ID: 757416	6.435%	6.375% 0.63 points $2,016 fees	$1,997	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.75% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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