We have loan programs available for everything from car loans to boat loans, RVs, personal loans and lines of credit. If you currently have a checking or savings account with us, or choose to move your current consumer loan from another institution to the bank, we may not charge loan fees based on the type of loan program. If you are not currently a customer but choose to open an account with us, we may waive the loan fees for you too, depending on the type of loan you are applying for. Plus, many of our personal and consumer loans qualify for ¼% rate discount with auto pay from one of our bank accounts.
Loans
We're here for whatever life brings you.
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- Auto – Finance for up to six years new and 5 years used
- Recreational Vehicle – Up to 15 years of financing available
- Boat – Financing available for up to 10 years
- Personal Loans – Up to four years of financing available
- Personal Lines of Credit – Financing available for up to five years
- Certificate of Deposit and Savings Secured Loans
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Finance the purchase of a lot for the Construction of a home (permanent financing also available).
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LOAN FEE - $100
REPAYMENT - Fully Amortized, Principal & Interest Payments
- New Vehicles-80% of purchase price (under invoice)
- Used Vehicles- 80% of Kelly Blue Book Private Party “average” value
- 0.25% discount for automatic payment from a People's Bank account
- Minimum Down Payment is 20% of purchase price
- Purchase money only
RATE - Contact your branch to get an auto loan rate
LOAN FEE - $100
REPAYMENT - Fully Amortized, Principal & Interest Payments
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- New – 80% of purchase price (under invoice)
- Used – 80% Kelly Wholesale “Average” value, minimum 20%down payment
- 0.25% discount for automatic payment from a People's Bank account
- Purchase money only
RATE - Contact your branch to get a recreational vehicle rate
LOAN FEE - $100
REPAYMENT - Fully Amortized, Principal & Interest Payments
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- New Boats – 80% of purchase price (under invoice)
- Used Boats – 80% of Kelly Wholesale “Average” value, min 20% down payment.
- 0.25% discount for automatic payment from a People's Bank account
- Purchase money only
RATE - Contact your branch to get a boat loan rate
LOAN FEE - $100
REPAYMENT - Fully Amortized, Principal & Interest Payments
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- 0.25% discount for automatic payment from a People's Bank
account - Maximum loan amount $50,000
- Can be secured or unsecured
RATE - Contact your branch to get a current personal loan rate
LOAN FEE - $100
REPAYMENT- Fully Amortized, Principal & Interest Payments
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- 75% of collateral value if secured
- Maximum line amount $50,000
- Client pays all third-party fees
- Rate Adjusts monthly on 1st of each month
- Max Change per adjustment 1.00%
RATE - Contact your branch to get a personal line of credit rate
LOAN FEE - $100 at origination and $50 annually
REPAYMENT – 2% of Outstanding Balance - $50 minimum
