Personal Loans

No matter what the next step might be… We have the loan to help you get there!

Our experienced family of loan officers are ready to help you with flexible terms, low fees, and quick approvals—we will find a financing option that fits your needs.


Personal Loans

Whether it is extra cash to pay off high-interest credit cards, make a home improvement, or fund a well-deserved vacation, we have fast answers and ready cash for your personal needs.


Mortgage Loans

As a leading provider of mortgage loans for many years, we offer a wide selection of options for the purchase or refinance of a home. Our various loan programs include long term, fixed-rate mortgages, and home equity loans.

Apply for a Mortgage Loan


Auto Loans

We are your overall best choice for new and used vehicle loans, and our rates will make you smile. If there is a choice between a dealer rebate and rate, choose the dealer’s rebate; then come finance with us!


Home Equity Loans and Home Equity Lines of Credit (HELOC)

Using the equity in your home to finance a home improvement, a new car, or whatever large purchase you may need to make is an efficient, fast way to get it done. We offer fixed-term loans and open-ended lines of credit, both often provide tax advantages. Consult a tax advisor regarding the deductibility of interest.

Apply for a Home Equity Line of Credit Loan

  • Contact a Kerndt Brothers Consumer Lender:

  • Amy Smith, Kerndt Brothers Bank Personal Banker

    Amy Smith

    Personal Banker
    Heritage Club Assistant, NMLS# 991465

    West Union Office

    563-422-6072 Ext 0304

  • Caitlin Johnson, Kerndt Brothers Bank Assistant Vice President & Waukon Branch Manager

    Caitlin Johnson

    Assistant Vice President
    Branch Manager, NMLS# 1029355

    Waukon Office

    563-568-5234 Ext 0601

  • Cathy Buhl, Kerndt Brother Bank Personal banker

    Cathy Buhl

    Personal Banker, NMLS# 1590603

    Waukon Office

    563-568-5234 Ext 0603

  • Cindy Hoyme, Assistant Vice President & Decorah Branch Manager

    Cindy Hoyme

    Vice President
    Branch Manager, NMLS# 491056

    Decorah Office

    563-382-2228 Ext 0701

  • Connie Brown, Kerndt Brothers Bank Personal Banker

    Connie Brown

    Heritage Club Director
    Personal Banker, NMLS# 863753

    Lansing Office

    563-538-4231 Ext 0103

  • Jessica Riley

    Personal Banker, NMLS# 1725368

    Decorah Office

    563-382-2228 Ext 0712

  • Julie Papp, Kerndt Brothers Bank Lansing Branch Manager

    Julie Papp

    Assistant Vice President
    Branch Manager, NMLS# 1410126

    Lansing Office

    563-538-4231 Ext 0101

  • Sarah Netolicky, Kerndt Brothers Bank Vice President & Manager of Retail Banking

    Sarah Netolicky

    Vice President
    Manager of Retail Banking, NMLS# 523262

    Cedar Rapids Office

    319-378-8100 Ext 0501

  • Tracy Nydegger, Kerndt Brothers Bank Vice President & West Union Branch Manager

    Tracy Nydegger

    Vice President
    Branch Manager, NMLS# 788833

    West Union Office

    563-422-6072 Ext 0301