Loan Services

We offer a wide variety of Loan Services

Whatever your need, from a new home or car through starting a business,

We can meet that need!

Personal Loans
Real Estate Loans
Commercial Loans and Lines of Credit
Home Mortgage and Home Equity Loans
Auto, Truck and RV Loans
FHA and SBA Loans
Farm and Ranch Loans
Student Loans
Credit Cards
Overdraft Protection Lines of Credit
Low Rates
Automatic Payments
Fast Turnaround

Personal Loans. Borrow the money you need and budget your fixed monthly payments. You can use your funds for whatever you need, whether it's a new computer, to consolidate debt or a well-deserved vacation. Fast, convenient application and approval. Automatic loan payments available.

Consolidation Loans. Simplify your bill paying and save money at the same time. We offer secured or unsecured consolidation loans that can tie all the loose ends together into one easy payment, and save you money with a lower interest rate.

Home Equity Loans and Lines of Credit. Use the equity in your home to borrow the money you need. The interest on home equity loans is generally tax deductible, but consult your tax adviser. You may use the money you borrow for whatever you want, a new kitchen, payoff credit cards, a new car, your child's college education or remodeling your home.

A home equity loan establishes a fixed interest rate and regular monthly payments over a fixed period of time. A line of credit sets up a pre-determined limit. You may draw whatever you need up to the limit without having to reapply. Access your money simply by writing a check or using your check card to make advances whenever you want to and in any amount. Call for current rates. Low closing costs.

Mortgages. We have several programs that can help make your dream of home ownership an affordable reality.

	Fixed Rate Programs. You can choose from several terms. Make regular monthly payments throughout the life of the loan. With our bi-weekly option, you can pay off your loan more quickly.
	Adjustable Rate Programs. Our various adjustable rate mortgages have low starting rates to offer you more affordability.
	FHA and WHEDA Programs. A smaller down payment with easier credit qualifying guidelines make FHA and WHEDA loans a good choice for many home buyers. We offer fixed and variable rates.
	Pre-Qualify for a mortgage before you go house hunting. Our mortgage specialists can help you decide what mortgage would be best suited for you. After you answer a few simple questions, they can also let you know how much you can afford while shopping for your home.

Automobile Loans. Whether it's time to buy a new or used car, you'll find highly competitive rates and payments to fit your budget. Get a quote from the dealer, but be sure you come in to talk with one of our loan officers.

Recreational Vehicles. Hit the highways on a in that new motor home or camper. Ride the trails on an ATV or snowmobile. Enjoy our lakes and rivers in a boat made for fishing, skiing or just cruising. Let us finance that dream with a rate and term designed to fit you and your lifestyle.

Agribusiness. We are dedicated to the growth of our farm customers by tailoring products that meet their needs. We have a long history of more than 90 years of serving the specialized needs of farmers in our area. We are extremely proud of the skills and knowledge of our Agricultural Loan Officers who work closely with customers to help provide solid fiscal management and creative solutions to this unique business sector. Farming is a tough business. It's easier when you have a friend beside you to help. Talk to our dedicated agricultural loan experts to help you plant the seeds of success for a bountiful harvest.

Business Loans and Services. Local decisions, quick answers and on-going business assistance are the advantages of commercial banking with us.

Our Commercial Loan Officers can offer a wide range of products to meet the financial needs of your business. But what attracts many businesses to work with us is the prospect of bankers who know the community and live in it, bankers who will work with you to help your business, and the community, grow.

	Business plans
	Forming a business
	Working capital loans
	Real estate and construction loans
	Personal property loans
	Inventory and equipment loans
	Revolving lines of credit
	Letters of Credit
	Small Business Administration loans
	Farm Service Agency loans
	Depository services, such as commercial checking accounts
	Merchant services including credit card processing
	ACH employee payroll programs

We will be happy to meet with you to discuss your interest in these or other services, and provide more information. We know what products are right to help you meet seasonal demand, take advantage of trade discounts and increase inventory or expand your product lines.

We have just the right mortgage for business property acquisitions, purchase of investment real estate, improvements at existing locations, refinancing old debt and working capital for business expansion or new product lines.

Our range of business services has never been greater. We continue to believe that it is the individual and collective skills of our bankers that offer the greatest potential to our customers.

As an independent community bank we are in close contact with the people and the economics of our marketplace. Because of this depth of understanding of local conditions, we are often able to find creative solutions to business financial issues that are of little concern to distantly based, larger and less personal banks. With our local focus you know that loan decisions are made right here and we can act quickly to meet your needs and help you capitalize on market opportunities. See or call us today.

Top Home

Member and Equal Housing Lender

Rates and terms accurate as of December 15, 2005.

Email brcbank@brcbank.com or call (715) 284-9448 for more information.