Loans
Consumer Loans
Our consumer loans have flexible terms and competitive interest rates! There are no application fees or pre-payment penalties. For help in determining how much you can afford to borrow or how much you monthly payment would be, click here for a financial calculator.
We can provide you with various types of loans to meet your personal financing needs. Whether you need a loan for a new car, a new boat, home improvements, debt consolidation, or other personal needs, we can help.
Mortgage Loans
We also provide both construction and existing home loans, and they can be obtained at competitive interest rates.
Our mortgage program provides:
- Low application fees
- Fast decision times
- Reasonable closing costs
- Weekly, biweekly, and monthly payment options
- Automatic payment option
- No prepayment penalties
Let's discuss your home ownership needs as soon as possible. You'll find us friendly and helpful. Contact us.
Home Equity Loans
A home equity loan allows you to use the equity in your home for just about anything you can think of, like debt consolidation, home improvements, a new car or recreational vehicle, college expenses, wedding expenses, and more with a regular monthly payment.
- Borrow up to 80% of your existing home's value, less your outstanding mortgage balance.
- Low one-time application fee.
- Fast turnaround.
- No pre-payment penalty.
- Interest paid may be tax deductible (consult your tax advisor).
- Automatic debit transfer from checking account required.
Use the equity in your home for almost any purpose!!
Home Equity Line of Credit
A line of credit that allows you to use the equity in your home for just about anything you can think of, like a dream vacation, a new pool, camper, snowmobile, car, college expenses, home improvement, and more…with the convenience of flexible payments.
- Borrow up to 80% of your existing home's value, less your outstanding mortgage balance.
- Low one-time application fee.
- Fast turnaround.
- No prepayment penalty.
- Interest paid may be tax deductible (consult your tax advisor).
- Automatic transfer available.
Ready Reserve
A Ready Reserve line of credit provides ready cash when you need it. When you write a check exceeding the balance of your checking account, we will automatically make you a loan from your authorized line of credit. We will deposit the loan amount directly into your checking account in multiples of $100 to bring your account to a positive balance. We will automatically debit your checking account each month to make the minimum payment required. As borrowed funds are repaid each month, they become available to borrow again. It's flexibility also provides automatic overdraft protection.
- Free first year - $30 annual fee thereafter
- May be used for any purpose
- Can be used for overdraft protection on your checking account
- Pay interest only on the amount you use
- Flexible credit limit
- One-time application
VISA Credit Card
You can obtain worldwide credit with local servicing. Already have our credit card and want to find out your current balance and most recent transaction? Click on www.mycardstatement.com
- Serviced and issued right here at the bank where we can answer your questions, process cash advances, and receive your payments.
To report a lost or stolen credit card during regular business hours call: 701-524-1921 or toll free: 888-818-1921
To report a lost or stolen credit card after hours call: 800-423-7503
