Home Equity Lines of Credit (HELOC)

• $10,000 to $250,000
• Call us for low special rates
• Rate changes quarterly
• Monthly payment is interest only
• No points
• No annual fee

Required Documents:

1. Consumer Loan Application
2. Personal Financial Statement
3. 2 years Federal income tax returns
4. Recent paystubs (if applicable)
5. Copy of your 1^st mortgage document
6. Statement of your 1^st mortgage
7. Declarations page from homeowner’s insurance
8. Trust agreement (if property is held in trust)

Personal Term Loans

• $2,500 to $50,000
• Fixed interest rate based on credit score. 

Required Documents:

1. Consumer Loan Application
2. Personal Financial Statement (if over $5,000)
3. 2 years Federal income tax returns
4. Recent paystubs (if applicable)

Auto Loans

• $2,500 to $50,000
• Fixed interest rate based on credit score with discounts available for new cars

Required Documents:

1. Consumer Loan Application
2. 2 years Federal income tax returns
3. Recent paystubs (if applicable)
4. Invoice from auto dealer (if applicable) or bill of sale (from private party)

Personal Lines of Credit

• $2,500 to $25,000
• Variable interest rate based on credit score

Required Documents:

1. Consumer Loan Application
2. 2 years Federal income tax returns
3. Recent paystubs (if applicable)

Savings Secured Loans

• $2,500 to $2,000,000

Required Documents:

1. Consumer Loan Application

Residential Mortgages

• Will be referred to a third party
• OPB may partner with a local mortgage lender
• OPB will assist in preparing the loan application but will not underwrite or service the loan.

Overdraft Protection (ODP)

• $500 to $10,000
• Call the branch for Overdraft Protection rates
• No annual fee

Required Documents:

1. Consumer Loan Application
2. Personal Financial Statement (if over $5,000 only)
3. 2 years Federal income tax returns (if over $5,000 only)
4. Recent paystubs (if applicable, and if over $1,000 only)