Loans & mortgages
Borrow from a bank that still shakes your hand.
Personal loans, car loans and home loans at a fair rate. Under $25,000 you hear back in minutes. For anything larger, a loan officer at one of our branches sits down with you.
Home loansFrom the first keys to the last payment.
Personal, car and home loans at a fair rate. Under $25,000 you hear back in minutes; for anything larger a loan officer sits down with you at a branch.
- Car and home loans are paid straight to the seller
- Plain terms, with what happens on a missed payment spelled out
- Apply online, or come in and talk to someone
Our loans
Three loans, each for one job.
Your rate depends on your credit score; the lowest rates go to customers with excellent credit. Rates are fixed for the life of the loan.
How it works
Two ways to get a yes.
Under $25,000: answered in minutes
Apply from your dashboard. We look at your credit score and at the pay that actually reaches your accounts. If it works, the money is there the same minute.
$25,000 and over, and every home loan: a loan officer
Book an appointment at a branch. A loan officer reviews the whole picture with you and decides there and then.
Car and home loans are paid to the seller
The approved amount is sent once, directly to the seller's bank account, here or at another bank. It protects you and the loan.
Payment calculator
An estimate, using a rate in the range for the loan you pick.
Straight talk
If a payment gets missed, here is exactly what happens.
Day 1: a small late fee
A $25 late fee, and the missed payment is reported to the credit registry.
Days 10 and 20: we get in touch
A friendly reminder, then a final notice. Tell us early and we can set up a payment plan: what is past due is spread over the next 3 or 6 payments, with no extra interest.
Day 30: our collections desk
A person on our team takes over your file. New borrowing is on hold until it is settled.
Day 45: only what is past due
With written notice five days before, we may apply the amount past due, and only that, from your checking or savings accounts. We always leave $50 behind and we never touch a CD.
Our branches
Come in and talk to someone.
Open Monday to Friday, 9:00 to 17:00. Book a loan officer from your dashboard.
Ready to borrow?
Already a customer? Sign in and apply. New here? Open an account first, it takes a few minutes.
Loans are subject to credit approval. Rates shown are ranges; your rate is set when you apply.