Personal Loans

Home Equity Lines of Credit

Product Features:

• Available on your primary residence and vacation homes.
• Available on investment residential homes.
• Quick access to your cash especially if you have a deposit account with us and are signed up for online banking.
• Competitive variable interest rates.
• A member of our lending team will meet with you personally, and their goal is to give you a decision within 24 hours of receiving a complete loan package.

Residential Construction Loans

Product Features:

• Funds for the construction of your new personal residence.
• Funds for the purchase of vacant residential land that will be used for your new personal residence.
• Competitive interest rates and loan terms.
• We work with mortgage lenders that will help you obtain a permanent mortgage upon completion of the project.
• A member of our lending team will meet with you personally, and their goal is to give you a decision within 24 hours of receiving a complete loan package.

Personal Loans

Product Features:

• Secured or unsecured loans available for your personal needs like a vacation, education, personal expenses, and many others.
• Competitive fixed interest rates and flexible terms.
• A member of our lending team will meet with you personally, and their goal is to give you a decision within 24 hours of receiving a complete loan package.

Redi-Credit

Product Features:

• Automatically transfers to your checking account to prevent overdrafts, so you can avoid returned checks and non-sufficient funds fees.
• Request advances at any time for deposit to your account or cash withdrawal.
• Low monthly payment amounts required that are set-up on automatic payments from your checking account. You can pay larger payment amounts at any time to reduce your interest costs.
• A member of our lending team will meet with you personally, and their goal is to give you a decision within 24 hours of receiving a complete loan package.

Mortgage Loans*

Product Features:

• Conforming and High Balance loans with fixed or adjustable rates.
• FNMA Home-style Renovation loans.
• FHA and VA loans with fixed or adjustable rates.
• FHA 203(k) loans for a primary residence with 1-4 units.
• Jumbo loans for properties with 1-4 units.

*We partner with mortgage lender, loanDepot^®, to suit your individual needs.

Vehicle Loans

Product Features:

• Available on new or used vehicles.
• Competitive fixed interest rates and terms.
• A member of our lending team will meet with you personally, and their goal is to give you a decision within 24 hours of receiving a complete loan package.

Credit Cards

Product Features:

• Reward Points - Earn one point for every net dollar you spend. Redeem points for merchandise, rental cars, cruises, hotels and airline travel. Airline tickets good on any airline with no blackout dates.
• Zero Liability - Your liability for unauthorized transactions is $0. Promptly notify the card issuer, TCM Bank N.A., and you pay nothing. Each transaction is also analyzed for suspicious activity and you will be notified as soon as possible to verify the legitimacy of questionable charges.
• Worldwide Acceptance - You can use your card at more than 24 million locations. You can also obtain cash at over 700,000 ATM's worldwide.
• Travel Accident Insurance - Coverage 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.
• Auto Rental Collision Damage Waiver - To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage.
• Account Availability - Access account information 24/7 through MyCardStatement.com.
• Click here for an application.

This card is issued by TCM Bank, N.A., application is subject to credit approval

To learn more about our loan products, contact our lending team or stop in at one of our branches

All loans subject to credit approval

Contact us to get started