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People's Bank of Commerce

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We have loan programs available for everything from car loans to boat loans, RVs, personal loans and lines of credit.  If you currently have a checking or savings account with us, or choose to move your current consumer loan from another institution to the bank, we may not charge loan fees based on the type of loan program.  If you are not currently a customer but choose to open an account with us, we may waive the loan fees for you too, depending on the type of loan you are applying for.  Plus, many of our personal and consumer loans qualify for ¼% rate discount with auto pay from one of our bank accounts.





Accordion 1
Home Equity Line of Credit
Home Equity Lines of Credit – Financing available up to 10 years

Accordion 2
Consumer Loans & Credit Lines
  • Auto – Finance for up to six years new and 5 years used
  • Recreational Vehicle – Up to 15 years of financing available
  • Boat – Financing available for up to 10 years
  • Personal Loans – Up to four years of financing available
  • Personal Lines of Credit – Financing available for up to five years
  • Certificate of Deposit and Savings Secured Loans
Accordion 3
Home Lot & Construction Loans

Finance the purchase of a lot for the Construction of a home (permanent financing also available).


Accordion 4
Auto Loans
  • New Vehicles-80% of purchase price (under invoice)
  • Used Vehicles- 80% of Kelly Blue Book Private Party “average” value
  • 0.25% discount for automatic payment from a People's Bank account
  • Minimum Down Payment is 20% of purchase price
  • Purchase money only
RATE - Contact your branch to get an auto loan rate 

LOAN FEE - $100 

REPAYMENT - Fully Amortized, Principal & Interest Payments
Accordion 5
Recreational Vehicle
  • New – 80% of purchase price (under invoice)
  • Used – 80% Kelly Wholesale “Average” value, minimum 20%down payment
  • 0.25% discount for automatic payment from a People's Bank account
  • Purchase money only
RATE - Contact your branch to get a recreational vehicle rate 

LOAN FEE - $100 

REPAYMENT - Fully Amortized, Principal & Interest Payments
Accordion 6
Boat Loan
  • New Boats – 80% of purchase price (under invoice)
  • Used Boats – 80% of Kelly Wholesale “Average” value, min 20% down payment.
  • 0.25% discount for automatic payment from a People's Bank account
  • Purchase money only
RATE - Contact your branch to get a boat loan rate 

LOAN FEE - $100 

REPAYMENT - Fully Amortized, Principal & Interest Payments
Accordion 7
Personal Loan
  • 0.25% discount for automatic payment from a People's Bank
    account
  • Maximum loan amount $50,000
  • Can be secured or unsecured
RATE - Contact your branch to get a current personal loan rate 

LOAN FEE - $100

REPAYMENT- Fully Amortized, Principal & Interest Payments
Accordion 8
Personal Lines of Credit
  • 75% of collateral value if secured
  • Maximum line amount $50,000
  • Client pays all third-party fees
  • Rate Adjusts monthly on 1st of each month
  • Max Change per adjustment 1.00%
RATE - Contact your branch to get a personal line of credit rate 

LOAN FEE - $100 at origination and $50 annually 

REPAYMENT – 2% of Outstanding Balance - $50 minimum

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TREASURY MANAGEMENT

Helping your business run smoothly
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PERSONAL CHECKING

That fits your lifestyle
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CREDIT CARDS

Spend safely and conveniently
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