Home Equity Loans

A Home Equity Loan 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 mortgage. The Home Equity Loan has a 10 year term with rates as low as prime.

Construction Loans

You may have a need for a loan for the construction of a new home. Our one year construction loan is for you. Permanent financing can be arranged. This loan has interest only payments on the amount disbursed with a rate of Prime + 1%.

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.

Consumer Loans for US Military Members

We have a special loan program for members of the US military. As with our normal consumer loan program, your rates and monthly payments are fixed for the life of the loan and will not change. Military loan terms are flexible, and you can choose between a 1 year, 3 year or 5 year loan term.

Commercial Mortgage

Our commercial mortgage programs are designed to fit your business plan and enhance your cash flow. Our products are 1-year commercial adjustable rate mortgages (ARMs), 5/1 commercial ARMs, fixed rate mortgages, and commercial construction. These products are available for your business property or for commercial investment properties. We have extremely competitive rates, ranging from the 1-year U.S. T-bill + 2.0% to prime plus. We can lend up to 80% of the property value as well. Terms are usually up to 180 months. This is one of our most popular products. Find out why.

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

SBA Loans
CD Loans

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