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Consumer Loans
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Mortgages

We'll turn all your mortgage questions into answers at our Online Mortgage Center. It's the most convenient 24/7 home loan service we've found anywhere. Enjoy easy one-stop access to home loan options, rates, calculators, quotes, plus our "see-what-you-save-at-a-glance" charts and so much more. Apply now and get conditional approval within 20 minutes!

Consumer Loans

Whether you’re dreaming about renovations to your home, a college education, a new car or that vacation you’ve always wanted, we've got a cost-effective loan to meet any need – or fulfill any dream. Our friendly local, hometown atmosphere and comfortable approach to community banking gives you the customer service you want. And unlike out-of-state banks and mortgage companies, we service every loan right here, so you'll get the attention you deserve.

We offer Personal Loans, Auto Loans, Energy Reward Loans, Collateral Loans and Home Improvement Loans at fixed and variable rates.

Call one of our loan officers for rates and terms!

Home Equity Products: Put Your Home to Work for You!

Your house. It's the place you call home and the place you look forward to after a long day. A place to spend time with family and friends. But did you know that your home can also work hard for you? With a Home Equity Line of Credit you get the money you need for a new kitchen, roof, landscaping, school tuition, debt consolidation or even a much deserved vacation - anything you dream of! The amount of money you borrow depends on the equity you have in your home.

Please click here to use one of our calculators to figure your payment amount.

Home Equity Variable Rate Line of Credit

A Home Equity Line of Credit is an open-end revolving line secured by the equity in your home. A line of credit makes it easy to finance your home improvement, private school or college tuition bills. It's as fast and easy as writing a check!

Effective Date: November 1, 2014

TermInterest RateAnnual Percentage RateMonthly Payment Rate per $10,000 Borrowed
10 Years 5 year draw period3.50%3.50%Interest only, payable monthly

Rates are subject to change at any time without notice. Property insurance is required. Rates are subject to change monthly, equal to the prime rate published in the Wall Street Journal plus a margin. Maximum annual percentage rate is 18%. Rates assume property will be owner occupied or second home. Borrower must meet specific underwriting criteria to obtain rate. You may be required to pay certain fees to third parties (for example,a title search, title insurance and a property appraisal). These fees generally cost between $0 and $750.

Additional terms and conditions are available upon request. Please contact one of our loan officers for more information.

Looking to fix a portion of your Home Equity Line of Credit?

We can help. We offer an option on our home equity lines of credit that allows you to fix the payment and interest rate on a portion of your outstanding principal balance for a specific term. Converting the outstanding variable rate balance on your line of credit to a fixed rate loan  gives you predictable monthly payments and no worries about fluctuating interest rates.

Fixed Rate Home Equity Options

Effective Date: November 1, 2014

TermInterest RateAnnual Percentage RateMonthly Payment Rate per $10,000 Borrowed
10 Years3.99%3.99%$101.20    (120 payments)
15 Years4.99%4.99%$76.45      (180 payments)

 

 

 

Rates are subject to change at any time without notice. Rates assume property will be owner occupied or second home. Property insurance is required.  You may be required to pay certain fees to third parties (for example,a title search, title insurance and a property appraisal). These fees generally cost between $0 and $750.

For more information on additional terms, rates, or products, please contact one of our loan officers.

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Your home can be more than a place to live. It can be a tool to build your life.

We can help you discuss your options.

Local banking at its best!