Home Equity Lines of Credits 

A Home Equity Line of Credit may be your best source of borrowing especially since interest paid may be tax deductible. This loan is a line of credit secured by a residential second mortgage. The Home Equity Line has a 10 year term with rates as low as prime - 2%. 

Construction Loans

You may have a need for a loan for the construction of a new home. If so, our one-year construction loan is for you. Permanent financing can be arranged. This loan has interest only payments on the amount disbursed. 

Fixed Rate Mortgage Loans

You may qualify for a fixed rate mortgage on your new home or a refinancing of an existing mortgage. We offer a variety of fixed rate mortgage loans that provide payments that are fixed for the life of the loan. 

Adjustable Rate Mortgage Loans

If you are in the market for a new home or are refinancing, our Adjustable Rate Mortgage may be what you need. The ARM is available for a first or second mortgage.  Take advantage of today's extremely low rates.

Consumer Loans

Car, boat, or anything else you might need can be obtained with our consumer loan program. Your payments are fixed for the life of the loan, so you will know exactly what your monthly payment will be.

Commercial Mortgage

Our commercial mortgage programs are designed to fit your business plan and enhance your cash flow. Our products range from monthly adjustable rates at below prime to long-term fixed rate mortgages and commercial construction. These products are available for your business property or for commercial investment properties. We always have extremely competitive rates. We can lend up to 80% of the property value, as well. Terms are usually up to 180 months.

Commercial Loans

We have a loan to fit most business purposes.  A few of our products include vehicle and equipment loans, asset based lending (accounts receivable and inventory financing), and letters of credit.  Rates are based on prime plus.  Terms are based on the type of security, and range up to 60 months.

Commercial Lines of Credit

We try very hard to make our business lines of credit flexible and to work in the best interest of your business' cash flow.  We do this through building a relationship and understanding the nature of your business.  Lines may be unsecured or secured by business assets or real estate.  Rates are from prime to prime plus, based on security and credit worthiness.  Terms are usually up to 12 months, renewable annually.

Other Loans

• CD Loans

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