Lending and Credit Services

Customized lending solutions tailored to the needs of our private banking clients.

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Our unique approach to lending

Our private banking clients enjoy lending that’s personalized, flexible and designed for complex financial lives. From jumbo mortgages and home equity to relationship-based credit solutions that evolve with your goals, your dedicated private banker helps turn your aspirations into reality—offering specialized knowledge, preferential terms and tailored support every step of the way.

Mortgage Solutions

For primary, secondary and luxury properties


  • Jumbo, signature and portfolio mortgage options for primary, vacation and investment homes.
  • Flexible structures designed for high-net-worth cash flow and asset profiles.
  • Exclusive private banking pricing, including $500 off closing costs and an opportunity to earn discounts of more than 1% off your mortgage rate.
  • Guidance from bankers experienced in complex income and asset scenarios.
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Home Equity Line of Credit (HELOC)

Tap into your home’s equity on your terms—borrow what you need, when you need it.


  • Flexible access to your home’s equity as needs arise. Borrow only what you need, when you need it.
  • Credit replenished as balances are repaid.
  • No application fee, no closing costs, no annual fee.
  • Interest only and fixed-rate options.
  • Competitive rates designed for private banking clients.

Credit Cards & Payment Solutions

Our Visa® Reserve Rewards+ card ensures the experience is as rewarding as the destination.


  • Emerald-tier clients get annual membership fee reimbursed*
  • Reward points bonus for initial spend 
and increased points on travel
  • Priority Pass lounge access
  • No foreign exchange fees
  • Additional travel and lifestyle benefits
  • Enhanced benefits aligned with private banking relationships
  • Seamless integration with deposit and cash management, plus private banker support
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Financing that works the way professionals do

We provide customized lending solutions that help partners, shareholders and professional practices unlock opportunity, grow with confidence and invest in what's next. 

Partner and 
Shareholder Loans

  • Can finance up to 100% of contributed capital.
  • No origination fees.
  • No prepayment penalties.

Specialized Lending for Professional Practices

  • Customized financing for medical, dental, veterinary, legal and other professional practices.
  • Solutions designed for growth, expansion and working capital.
  • Lending structures tailored to professional income and cash flow cycles.
  • Access to specialized programs and experienced lending teams.

Connect with an Associated Bank Private Banking professional.

Find a team
near you
Find a branch
near you

Call 800-991-7706
Monday–Friday, 7 a.m. to 9 p.m. CT
Saturday, 8 a.m. to 5 p.m. CT

Frequently Asked Questions

Private banking services are available to clients with banking and investment balances totaling $500,000 or more.

Our first agenda item is listening to what’s on your mind so we can address your needs. We take a wealth planning approach starting with your short- and long-term goals. We then cover topics such as deposit and credit needs, plus additional priorities including retirement, investment and estate planning. We will also talk through our service agreement, setup your accounts, summarize next steps and schedule your next meeting.

The simplest way to understand the difference between the two is this: A line of credit remains available to you even after your balance is paid off. A loan, on the other hand, is a one-time transaction that's paid off over time with regularly scheduled payments of principal and interest.



  • Loan products are offered by Associated Bank, N.A., and are subject to credit approval and involve interest and other costs. Please ask about details on fees and terms and conditions of these products. Property insurance and flood insurance, if applicable, will be required on collateral. (1050)

  • Subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. (1056)

  • Visa and the Visa logo are registered trademarks of Visa International Service Association. (1115)

  • Offer expires December 31, 2026. Show this offer to your Associated Bank mortgage lender at time of application. Your loan must close by February 28, 2027. Offer applies to the refinance of a non-Associated Bank mortgage loan or purchase money mortgages. One discount per mortgage loan; cannot be combined with any other mortgage loan discount offers and is subject to change (at Associated Bank’s discretion) at any time without notice. Some mortgage programs and products are excluded from this offer, including but not limited to lot loans, simultaneous seconds and the refinance of an Associated Bank mortgage loan. (1184)

  • Investment, Securities and Insurance Products:

    NOT
    FDIC INSURED    		NOT BANK
    GUARANTEED    		MAY
    LOSE VALUE    		NOT INSURED BY ANY
    FEDERAL AGENCY    		NOT A
    DEPOSIT

     

  • Associated Bank and Associated Bank Private Wealth are marketing names Associated Banc-Corp (AB-C) uses for products and services offered by its affiliates. Securities and investment advisory services are offered by Associated Investment Services, Inc. (AIS), member FINRA/SIPC; insurance products are offered by licensed agents of AIS; deposit and loan products and services are offered through Associated Bank, N.A. (ABNA); investment management, fiduciary, administrative and planning services are offered through Associated Trust Company, N.A. (ATC); and Kellogg Asset Management, LLC® (KAM) provides investment management services to AB-C affiliates. AIS, ABNA, ATC, and KAM are all direct or indirect, wholly-owned subsidiaries of AB-C. AB-C and its affiliates do not provide tax, legal or accounting advice. Please consult with your advisors regarding your individual situation. (1024)

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