Personal Banking
Personal Loans
We welcome the opportunity to meet your borrowing needs and have had 100+ years of practice!
Fixed and variable rate options for the purchase, refinance or lease buyout of vehicles, boats, RVs or campers, whatever the need may be, our personal loans offer competitive rates with flexible terms.
We also offer unsecured loans to qualified borrowers and are currently developing a new unsecured revolving line of credit that will be marketed as our “Executive Line” that will offer very favorable rates and terms.
Look to us for assistance in financing home improvements or lot/land purchases.
Popular loan products including Home Equity Loans and Home Equity Lines of Credit are offered at very competitive rates and accommodating terms. Frequently options are offered where we provide assistance with some of the closing costs that may be incurred. Contact us to learn more about our special offers! Borrowers may also pledge savings accounts or certificates of deposit or marketable securities among other options to secure loans.
SOS, that’s Spratt’s Overdraft Security, is an overdraft protection product that is linked to your checking account to help prevent overdrafts. We have chosen to eliminate the “access fee” that most banks charge (usually $5 to$10) should you activate an advance. Our SOS product has been designed to offer our customers the most economical overdraft product in the market.
