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
*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
Contact us to discuss your options today or apply now.
*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, Maximum Rewards Platinum Edition, or BucksBack 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% APR for the first nine billing cycles on purchases and balance transfers.
- A variable rate, depending on credit criteria, of the greater of 9.99%, 13.99%, 19.99% Floor Rate or 1.74%, 5.74%, 11.74% + Index Rate* for purchases.
- The greater of 19.99% Floor Rate or 15.75% + Index Rate* for cash advances.
- Travel Accident Insurance.
- Purchase Protection and Extended Warranty.
- Use to make automatic payments or for loan consolidations.
Maximum Rewards Platinum Edition: Card members receive redeemable points.
- No Annual Fee.
- 0.00% APR for the first six billing cycles on purchases and balance transfers.
- A variable rate, depending on credit criteria, of the greater of 13.99%, 19.99% Floor Rate or 5.74%, 11.74% + Index Rate* on purchases.
- The greater of 19.99% Floor Rate or 15.75% + Index Rate* for cash advances.
- Redeem points for gift cards/certificates, merchandise, full-service travel, charitable donations, experiential rewards and cash.
- Earn 1 point for every $1 in purchases with no annual point cap. (5 year point expiration.)
- Use to automatic payments and loan consolidations.
BucksBack Platinum Edition: Card members earn 1% cash back for purchases with no annual fee.
- 0.00% APR for the first six billing cycles on purchases and balance transfers.
- A variable rate, depending on credit criteria, of the greater of 13.99%, 19.99% Floor Rate or 5.74%, 11.74% + Index Rate* on purchases.
- The greater of 19.99% Floor Rate or 15.75% + Index Rate* for cash advances.
- Earn $10 upon approval and another $10 with your first purchase. Earn $25 for every $2,500 in purchases.
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% Floor Rate or 13.49%+ Index Rate**, whichever is greater, for purchases.
- Variable rate of 20.99% Floor Rate or 13.49%+ Index Rate*, whichever is greater, for cash advances.
- Minimum deposit of $500 and maximum deposit of $5,000.
*The Index Rate is the highest U.S. Prime Rate as published in the Wall Street Journal on any day during the 90 days immediately preceding the last day of each calendar month.
**The Index Rate is the highest one-month London Interbank Offered Rate as quoted in the Wall Street Journal on any day during the 90 days immediately preceding the last day of each calendar month.
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 today 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.
