Personal Loans

With Personal Loans from Two River Community Bank, you’ll find competitive rates and exceptional customer service in support of your financing needs. 


Flexible financing.

Whether you are making a major purchase or looking for the convenience of a line of credit, Two River Community Bank has a solution for your needs.

View current rates.

Home Equity Line of Credit

Two River Community Bank’s Home Equity Line of Credit (HELOC) is convenient, flexible and offers some of today’s most competitive rates. A HELOC is similar to a home equity loan, except that money can be taken out as needed rather than as a lump sum. It is an ideal way to leverage the equity in your home to manage periodic expenses, or to have funds available in case of emergency.

Once you are approved for an amount, you can borrow and repay repeatedly without additional paperwork. Another benefit of a HELOC is that you only pay interest on the money you have actually borrowed. Best of all, the interest on your line may be tax deductible.1

  • Use convenient line of credit checks to access your line
  • Loan amounts up to $350,000
  • Low variable rate
  • No application fees
  • No appraisal fees on loan amounts up to $250,000
  • Pay off principal at any time without penalty1

Download the Home Equity Line of Credit Application now.

Home Equity Loan

If you would like to use the equity in your home for a one-time purchase, you may wish to consider a Home Equity Loan, which is a fixed-rate first or second mortgage that allows a homeowner to borrow against and use the equity in their home or other qualifying real property. Like a line of credit, interest on the loan may be tax deductible.2

  • Predictable monthly payments that stay the same no matter how the economy or interest rates may change
  • Borrow a fixed amount based on the equity in your home
  • Repay loan over time with a fixed rate and flexible terms
  • Loan amounts up to $350,000
  • No application fees
  • No appraisal fees on loan amounts up to $250,000

Download the Home Equity Loan Application now.

Auto Loans

Whether you are interested in purchasing a new or pre-owned automobile, look to Two River Community Bank for your auto loan.

  • Competitive fixed rates
  • Flexible terms
  • Fast decisions made locally
  • Financing for models up to four years old

Download the Auto Loan Application now.

Construction Loans

Planning to build your dream home? We can help from groundbreaking to housewarming. With Residential Construction Financing from Two River Community Bank, we can guide you through the loan process and answer your questions and your builders’ questions so your project keeps moving smoothly. We’ll be with you every step of the way!

For more information about Residential Construction Financing with Two River Community Bank, stop by your local branch or contact us.

Perfect Balance Line of Credit

A Perfect Balance Line of Credit, managed through your Two River Community Bank checking account, offers you convenience, flexibility and security, giving you immediate access to a credit line of up to $5,000.

  • Tied to checking account for easy access
  • Credit limits from $500 to $5,000
  • Credit advances start at $100
  • Avoid overdraft fees

Download the Perfect Balance Line of Credit Application now.

Personal Unsecured Loans

You don’t have to be a homeowner or have another form of collateral to take advantage of personal loans with Two River Community Bank. Whether you’re interested in an unsecured line of credit or installment loan, we can help.

  • Loans and lines starting at $2,500
  • Flexible terms up to three years
  • Unsecured

Download the Personal Loans Application now. 

All loans subject to credit approval.

1 Borrower agrees that if the HELOC facility is paid off and terminated by Borrower within the first 36 months after the date when the account is opened, which is the date when funds are first made available to Borrower under the HELOC facility, Borrower shall be obligated to reimburse Lender for the full amount of all bona fide third party charges actually incurred by Lender in connection with the origination of the HELOC facility and disclosed to Borrower, including all third party charges for settlement services but excluding the full amount of all charges for any such services as are provided by any settlement service provider which is affiliated with Lender or which has, in connection with such settlement services, provided Lender with anything of value.

2 Please consult your tax advisor.


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