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Loan Services

Need assistance? We will be happy to review our loan programs with you. This will enable you to receive the best possible product for your needs. Call toll-free 888-448-2102 today and ask to speak to one of our Consumer or Real Estate Loan Officers.

Click on below links for further details about each product
Residential Mortgage Loans
Construction Loans
Lot Loans
Home Equity Lines of Credit
Home Equity Loans - Fixed Term/Second Mortgages
Car, Boat, or Motorcycle Loans
Personal Installment Loans
Commercial Loans


Residential Mortgage Loans

Purchasing a new home or refinancing your existing loan, we look forward to discussing the loan options available to you. We offer Conventional mortgages and USDA loans.

Loan options can include:
  • No Down Payment
  • No Escrow Option
  • Low Down Payment
  • PMI Insured Loans
Grant Program funds may be available to assist you with a down payment. Investment single family property loans are also available. Please call and ask for a Real Estate Loan Officer.

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Construction Loans

We pride ourselves in offering a Construction to Perm loan program.

Benefits of our Construction product:
  • One loan closing
  • Low interest rate for 5 years
  • Interest only payments during construction phase
We have a great staff able to work with you and your general contractor closely to achieve your dream. Building a home should be a wonderful experience and we hope to be a part of that experience. Please call and ask for a Real Estate Loan Officer.

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Lot Loans

Did you find that lot or acreage to build your dream home? We are here for you to provide financing until you are ready to build. We offer great rates! Let us help in the first step to a dream. Please call and ask for a Real Estate Loan Officer.

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Home Equity Lines of Credit

Need some CASH? Our Home Equity Lines of Credit are here for all of your financial needs.
  • Remodeling
  • Vacation
  • Vehicle
  • College Tuition
  • Other Expenses
The Line of Credit is now as easy as writing a check. No more coming into the bank to access funds. Please call and ask for a Real Estate Loan Officer.

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Home Equity Loans - Fixed Term/Second Mortgages

Need additional money and don't want a Line of Credit? We offer a fixed interest rate Home Equity Loan for a specific length of time. This will provide you with the full amount of the loan upfront and a fixed principal and interest payment. Please call and ask for a Real Estate Loan Officer.

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Car, Boat or Motorcycle Loans

Whether you are buying a new car, motorcycle, camper, trailers, snowmobiles, ATV's or any other types of recreational items, we have you covered. Our rates and terms are competitive! Please call and ask for a Consumer Loan Officer.

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Personal Installment Loans

Personal loans are waiting for you. A Personal Installment Loan is a loan to meet your personal needs. So whatever the need may be, contact a Consumer Loan Officer today!

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Commercial Loans

Being a community bank, we take pride in supporting our local area businesses. We are here to help the mom and pop shops or corporations. We offer:
  • Equipment Loans
  • Business Lines of Credit
  • Letters of Credit
  • Real Estate Secured Loans
We want to help local businesses succeed. Being a part of that is what a community bank is all about. Please call and ask for the Real Estate Lending Manager.

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Rates and Terms subject to change without notice

Loans are subject to credit approval