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People's Bank of Commerce

Online Banking Login

Personal Loans

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.

Home Equity Line of Credit

Home Equity Lines of Credit – Financing available up to 10 years

Rates and Terms

Consumer Loans & Credit Lines

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

Rates and Terms

Auto Loans

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

Recreational Vehicle

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

Boat Loan

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

Personal Loan

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

Personal Lines of Credit

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

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TREASURY MANAGEMENT

Helping your business run smoothly

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PERSONAL CHECKING

That fits your lifestyle

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CREDIT CARDS

Spend safely and conveniently

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