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Loans and Lines of Credit

Loans & Lines of Credit

Ameriana can customize a loan for your needs. We provide all types, from unsecured personal notes to fixed rate home equity loans, and everything in between. Buy a car, motorcycle, boat, RV or even take out a home equity line of credit to pay for college.

Our consumer loans include:

  • A fixed rate based on the term of the loan, your collateral and your credit score
  • Terms that can vary from a few months to a few years
  • $2,500 minimum loan amount

Auto Loan

No purchase is quite as exciting as a new car. Our auto loan rates are competitive, whether the vehicle is new or used. We'll show you a wide range of financing terms and help design a payment plan to fit your budget. Apply now.

Home Equity Line of Credit

Make your home work for you with an Ameriana home equity revolving line of credit. We can offer convenient, easy access to funds secured by the equity in your home.

You can benefit from:

  • No annual fee
  • Interest that may be tax deductible*
  • Monthly activity statements
  • Convenient access in person or by check

Apply now.

*Interest on this type of loan may be tax deductible. Please consult your tax advisor for information.

Fixed Rate Home Equity Loan

Borrow a lump sum at a fixed rate with a fixed monthly payment based on your home's equity. Also called a Fixed Rate Home Equity Loan, Ameriana's second mortgages range from $5,000 to $100,000 with terms up to 15 years.

You'll receive:

  • A fixed rate based on your credit score and Loan-To-Value ratio
  • Interest rate that may be tax deductible*
  • No pre-payment penalty

Apply now or contact us to discuss your options.

*Interest on this type of loan may be tax deductible. Please consult your tax advisor for information. Closing fees include appraisal, title, flood and recording fees.

Deposit Account Loan

This Ameriana consumer loan is secured with the funds in your savings or certificate of deposit account. You still have easy access to the funds you need - up to 90 percent of your account balance - and continue to earn interest, too.

Deposit Account Loans have:

  • No application to complete
  • No processing fee
  • Payments that can be made regularly but are only required twice a year (June and December)

Visa® Credit Card

We offer a variety of credit cards to meet your needs.  Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs.  You can even put your favorite photo on your credit card!  It's easy to do and a fun way to show your personality whenever you shop.  Learn more or apply online.

Overdraft Protection

Apply for this revolving line of credit that, if approved, is linked to your checking account to act as overdraft protection.

  • Saves embarrassment of checks returned due to insufficient funds
  • Activity is shown on your monthly checking account statement for easy record keeping
  • Competitive rate of interest
  • Can be re-used as it is paid back

Contact us to discuss your options or apply now.


Shop Smart: Get a Preapproval first

Knowing how much you can borrow makes the buying process easier and gives you negotiation power to get the best possible price. Contact us today to get started.

 

 

 

 

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