There are a million reasons to take out a loan — lower your current mortgage or auto loan payments, pay off high interest bills, finance home improvements, purchase large ticket items, finance an education, or anything else you can dream of. We have a solution for all of them. With our competitive rates, flexible payment options and easy application process, we'll make sure everything is as simple as possible. We're the curious bank, and we won't stop searching until we've found the perfect option for you.
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Home Equity
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Home Equity LoanCall to Apply1-866-53LOANS |
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| Access funds any time at a low rate and no closing costs2 | Borrow funds at a low rate with a fixed monthly payment | Refinance your mortgage with little out of pocket expense | Features and Benefits:
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Features and Benefits:
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Features and Benefits:
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Auto Finance
Secure financing prior to purchase or save money by refinancing with competitive rates.
Finance a new or used car:
- Buy with confidence by knowing your loan amount, rate, and payment before you shop
- Purchase from a dealer or a private party
Refinance your car loan and save money:
- Quick and easy application process
- Lower your monthly payments or pay off your loan sooner
Auto Finance Calculators
Personal Lines of Credit and Loans
Choose from secured or unsecured. Use your CD, Savings or Investment account as collateral6
- Variable rate, revolving line of credit
- Low minimum payments
- Fixed rate and term
- Fixed monthly payments
Personal Lines of Credit & Loans Calculators
Borrowing Basics
Things you should know before you borrow
How much should you borrow?
You want a loan you can comfortably afford, not the largest amount you could possibly receive. Know your budget reality and find a loan that fits well with it.
Your debt vs. your income
When you borrow, your debt-to-income ratio (DTI) is important. Your DTI is the percentage of your monthly income that's set aside for your monthly payments (monthly payments/total income = DTI). Generally, a lower DTI ratio makes it more likely that a loan will be approved.
Your credit score and your interest rate
Your credit score represents your credit history, based on your credit bureau report. Generally, a higher credit score makes it more likely a borrower will qualify for a loan and get a better interest rate.
Fixed rate vs. variable rate
Fixed rate loans allow you to make the same payment each month for a fixed term. Variable rates are tied to an index, such as the Wall Street Journal Prime Rate, and the payments may vary as they are based on outstanding balance.
Disclosures
Equal Housing Lender