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

Visa cards are the world's most widely used and accepted form of credit card payment. Choose from our Platinum Edition or Maximum Rewards Platinum Edition. We also offer a Secured card for those who have not established credit or those with less than perfect credit.

Platinum Edition: The Platinum Edition Visa comes with no annual fee and an interest-free grace period on new purchases, along with special Platinum benefits good worldwide.

• No Annual Fee.
• 0.00% introductory APR for the first six billing cycles on purchases and for the first twelve months on balance transfers.
• A variable rate, depending on credit criteria, of the greater of 9.99%, 14.99%, or 17.99%.  This APR will vary with the market based on the Prime Rate.
• An APR of 25.24% for cash advances. This APR will vary with the market based on the Prime Rate.
• Visa Zero Liability - If your card is lost or stolen, you're not liable for unauthorized purchases.
• FirstGuard^® fraud and identity theft protection, auto rental coverage and discounts, and more.
• Use to make automatic payments or for loan consolidations.

For additional information about the Annual Percentage Rates (APRs), fees and other cots, see the Summary of Credit Terms available at any Ameriana banking center.  Visa's Zero Liability policy covers US issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions.  Cardholder must notify issuer promptly of any authorized use.  Consult issuer for additional details or visit www.visa.com/security.

Maximum Rewards Platinum Edition: Card members receive redeemable points.

• No Annual Fee.
• A variable rate, depending on credit criteria, of the greater of 13.99%, 16.99% or 19.99% for purchases.  This APR will vary with the market based on the Prime Rate.
• A variable rate, based on creditworthiness, of 13.99%, 16.99% or 19.99% for cash advances.
• Redeem points for gift cards, merchandise, travel...even cash back in the form of a statement credit.  Visa Signature^® benefits including VIP access to exciting events, special travel offers and dining experiences. 
• Earn 1.5 points for every $1 in purchases with no annual point cap. (5 year point expiration.)
• FirstGuard^® fraud and identity theft protection, auto rental coverage and discounts and more.
• Use to automatic payments and loan consolidations.

See Rewards Terms and Conditions, along with additional information about the Annual Percentage Rates (APRs), fees and other costs, in the Summary of Credit Terms, available at any Ameriana banking center.  Complete details, including restrictions, limitations and exclusions will be available when you become a cardmember. 

First Bankcard VISA® (Secured Card): People with troubled credit histories or those new to the United States will benefit the most from this card. Card members can build a positive credit history while using the card with a limit that is set by their own savings deposit.

• Variable rate of 20.99% APR for purchases. This APR will vary with the market based on the Prime Rate.
• Variable rate of 25.24% APR for cash advances. This APR will vary with the market based on the Prime Rate.
• Decide what credit limit, between $300 and $5,000 ($100 increments) you'd like.
• No application fees or processing fees.
• Complete fraud and identity theft protection.  Theft or damage protection within 90 days of purchase.  Extended warranty for purchases made at most US manufacturers for 12 months.
• Travel accident insurance - you're covered when you pay for your travel tickets with your Secured card.
• Auto rental coverage and discount - you'll be protected against auto collision and theft, and you can receive up to 25% off at select car rental agencies.

For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms, available at any Ameriana banking center.  Complete details, including restrictions, limitations and exclusions, will be available when you become a cardmember.

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.