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Personal Banking Business Banking Loan Products Other Services About Us
Consumer Loans
Loan Products & Required Documents

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 1st mortgage document
  6. Statement of your 1st 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)

 

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