Credit and Loans

Personal Loans

Whether you need cash to buy a home, make home improvements, purchase a vehicle, go on a vacation, or pay off high-interest credit cards, we have a variety of loan products with terms and rates to fit your needs.  With local lenders available in each branch we are ready to promptly respond to your request.

  • Personal installment loan or revolving line of credit
  • Auto, Truck, Boat
  • Home Equity Line of Credit
  • Residential Mortgage
  • Overdraft Protection
  • Personal Credit Card

Apply for a Loan

Contact one of our local branches to complete a loan application today!

Residential 5/5 Adjustable Rate Mortgage (ARM)

Have you been dreaming of owning a home? A residential mortgage from our bank may be the key to making that dream come true. Our current initial interest is 3.50% for the first five years of the loan, 3.85% Annual Percentage Rate (APR)1.  It offers a lower initial rate with some of the stability of a fixed-rate loan. Contact a member of our Possible Team today to see how we can help you start down the path to your new home.


5/5 ARM Rate

Annual Percentage Rate (APR)

Estimated Monthly Payment

Years 1-5

3.50% APR


Years 6-10

5.50% APR


Years 11-15

7.50% APR


Years 16-30

8.50% APR


1Payments shown do not reflect amounts for taxes and insurance. The actual payment obligation may be greater. Adjustable Rate Mortgage (ARM) rates are subject to change every five years during the term of the loan. The rate example shown above for the 5/5 assumes a loan amount of $220,000 for a single-family primary residence with $200 origination fee, $14 life of loan flood fee, $500 settlement fee and a down payment of 20% or more. Your payment may increase or decrease substantially depending on changes in the interest rate. In the example above, the 30-year loan with an initial interest of 3.50%Annual Percentage Rate (APR) (the initial interest in effect September 2016, which is not based on the index in effect for September 2016), the maximum amount that the interest rate can rise under this program is 5.0% to 8.50%, and the monthly payment can rise from an initial payment of $988.12 to a maximum of $1,509.00 in the 16th year. The index rate on this product is based on the Average Prime Offer Rate (APOR) reported in the five years to first adjustment column as made available in the “Average Prime Offer Rates - Adjustable” table plus a margin of 0.75%.  Based on increases or decreases in the Index, payment amounts under this ARM program can change every five years beginning five years from the date of your Note.


Home Equity Line of Credit (HELOC)

Turn your dreams into reality with our Home Equity Line of Credit.  Convenience, control, and flexibility are just some of the benefits of a Home Equity Line of Credit.  Whether you are buying a car, building an addition, paying college tuition, or want to create a safety net for unexpected expenses, the convenience of a HELOC puts you in control of your equity.

  • A variable rate equal to NY Prime Rate as published in the Wall Street Journal, 3.75% Annual Percentage Rate (APR).(The Maximum APR is 24%).
  • 10-year draw period with interest-only repayment during draw period (optional).  Followed by 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater.
  • Available to primary and secondary residences only.
  • Maximum LTV is 85%
  • Closing Costs: Fees and charges generally associated wwith HELOCs total between $14-$3,000 and are due at closing.  Borrower must maintain insurance on the property securing the credit.  Itemization of fees available upon request.  Closing costs may be advanced from initial draw.

For additional information, or to complete an application, call or visit your local branch.

National Mortgage Registry List


Financial Calculators

To assist you with your financial planning needs, use one of our many financial calculators to determine what options will best fit your budget.


Personal Credit Cards

Our Visa® Rewards Platinum credit card offers convenience, worldwide acceptance and great benefits with competitive rates and terms.

  • No Annual Fee*
  • 10.24% to 20.24% variable Annual Percentage Rate (APR) on purchases based on your credit worthiness.*
  • 0% Introductory APR on balance transfers for the first six biling cycles. Afterwards, a 10.24% to 20.24% variable APR on balance transfers will apply.  A 3% fee will be charged for each balance transferred, waived for balance transfers at account opening.*
  • Reward points for merchandise and travel.  Visit cRewardssm at for details.
  • Tickets good on any airline with no blackout dates
  • Chip Card Security
  • Fraud Monitoring and Zero Fraud Liability
  • Travel Accident Insurance1
  • Personal service from people you know
  • Optional Visa Purchase Alerts - Anytime a qualified Visa transaction takes place that meets your defined parameters, you will receive an alert in seconds via email and/or text message.  You can set alerts for amount thresholds, online orders, international transactions and more here: Visa Purchase Alerts.    

For added security for online Visa purchases, register through Verified by Visa

Apply Now!

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
1Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.



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