Personal Loans

Home Equity Lines of Credit

Account Features:

  • Available on your primary residences 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
  • Very competitive variable interest rates
  • Our local lending officers will meet with you and their goal is to give you a decision within 24 hours of the completed loan package

Personal Real Estate Construction Loans

Account Features:

  • Funds for the construction of your new personal residence
  • Funds for the purchase of vacant residential property that will be used for your new personal residence     
  • Very competitive interest rates and loan terms        
  • We work with mortgage lenders that will help you obtain a permanent mortgage upon completion of the project         
  • Our local lending officers will meet with you and their goal is to give you a decision within 24 hours of the completed loan package       

Personal Loans

Account Features:

  • Secured or unsecured loans available for your personal needs like a vacation, education, health related and many others
  • Very competitive fixed interest rates and flexible terms
  • Our local lending officers will meet with you and their goal is to give you a decision within 24 hours of the completed loan package

Redi-Credit

Account Features:

  • Provides protection for your checking accounts so you can avoid overdrafts, non-sufficient fees and returned checks
  • It automatically transfers funds to your checking account up to the amount of this loan
  • 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
  • Our local lending officers will meet with you and their goal is to give you a decision within 24 hours of the completed loan package

Vehicle Loans

Account Features:

  • Available on new or used vehicles
  • Very competitive fixed interest rates and terms
  • Our local lending officers will meet with you and their goal is to give you a decision within 24 hours of the completed loan package

Credit Cards

Account 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 products, visit a Loan Officer at any of our branches or call (805) 922-2900.

All loans subject to credit approval