Personal Loans and Lines of Credit


Whether you’re looking to have some extra cash on hand or need to make a large purchase, we have options at competitive rates. 

  • Multiple ways to access your funds
  • Local decisions made quickly on your loan application
  • Reliable financing for planned or unplanned events
  • Competitive Annual Percentage Rate (APR)* available
  • Up to 60 month term available
Credit Lines

With a line of credit, enjoy flexible payment terms and accessibility.

  • Use funds for whatever you need and pay interest only on what you owe
  • Competitive interest rates available
  • Secured and unsecured options available
  • Access your funds with convenient checks
  • No balance transfer fees or cash advance fees
  • Enjoy easy access to a reusable source of funds for recurring expenses
Savings Secured Lines^

Get a lower interest rate by securing your line of credit with a TowneBank savings account or CD. 

  • Fund unplanned expenses without tapping into your savings.
  • Maintain your savings or CD balances so you can continue to earn interest at a competitive rate.
  • Access a renewable source of funds at a lower interest rate by providing collateral to secure your line of credit.


  • Unsecured personal line of credit tied to a checking account for overdraft protection
  • In the event of an overdraft, funds transfer in $100 increments from your line of credit to your designated account(s).

Applicable interest rates apply.