Personal Loans
When you need extra cash for whatever reason, we can set up a personal loan for you. Unsecured loans are also available for many purposes.
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Home Equity Line of Credit
Here are the advantages of First Commerce Bank’s Home Equity Line of Credit:
- A revolving line of credit is approved for a maximum amount and can be used and repaid repeatedly – Funds are available whenever you need them without going through the loan approval process over and over.
- Funds are accessed by check or online transfer – Easy access to cash when needed. You don’t need to contact the bank each time you want to make a draw against the line. Use Online Banking to transfer funds into your checking account. Or, pay for goods or services directly with Equity Line checks.
- Preferred interest rates.
- Zero application or set-up fees.
- Interest assessed on the outstanding balance – Interest is charged only on the actual amount advanced. You save money on this account compared to a conventional loan.
- Interest paid may be tax deductible (check with you tax advisor).
- Once established, your home equity line of credit is there when you need it to use over and over again – You can improve your home, consolidate personal obligations and make major purchases like a new car, pay tuition or fund important investments.
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Automobile Loans
When it’s time to purchase a new or used vehicle, First Commerce Bank has the competitive rates and terms that you need. Financing is available for cars, trucks, pickups, SUV’s, recreational vehicles, and more!
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Overdraft Protection Lines of Credit – Ready Reserve
Eligible First Commerce Bank depositors may apply for a revolving line of credit up to $10,000 for short-term overdraft coverage purposes.
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