Your loan needs are a primary source of our business. That’s why we have a full line of consumer and business and agriculture loans. And we have Companion Products that make it easy to access your account information and make sure your payments are always on time.

The following are examples of the types of loans we make. For more information, or if you have a need that you don’t see, just give us a call. As a community bank, we can structure a loan to fit your situation! Our decision about your loan is made locally, based on all aspects of your situation.

Consumer Loans
Whatever your personal loan needs, we’re here for you. Call to apply or make an appointment today.

Credit Card
We’ve partnered with ICBA (Independent Community Bankers of America) and TCM Bank to offer you the best credit card options. Click here to print an application to send to the application processing center. You will also find all the credit card disclosures, a “Question and Answer” section, and instructions for using the Prepaid Business Reply Envelope. If you prefer, call us and we will send an application to you.

Personal Loans can help in an emergency.

Auto, Truck, Boat, ATV, and Snowmobile Loans are quick and easy. We make sure your property value is secure.

Home Equity Loans for almost any purpose are a great way to save on taxes while using the value of your home to secure the loan. We have regular amortized equity loans and lines of credit. Flexibility for your needs.

Real Estate Loans often begin with the purchase or construction of your first home, or the purchase of land for future building. This is a very exciting event for you, let us make financing easy. If you’re a first-time homebuyer and want some help learning about the process, click here for a free online Home Owner’s Education Course. We also offer refinancing of existing mortgage loans. We have several options for you.

The International Bank of Amherst Origination Company Identifier: 663179

Pursuant to the Bank's Mortgage Loan Originator Registration and Monitoring Policies and Procedures for S.A.F.E. Act Compliance (the "Policies and Procedures"), the following Bank employees have been identified as "mortgage loan originators" as identified under the Secure and Fair Enforcement of Mortgage Licensing Act.

H.B. Pomeroy	#713352	Michael J. Barden	#713354
Dawn L. Thrun	#713355	Jeffrey M. Churas	#801091

Business and Agriculture Loans
We’ve helped our business community thrive for many years. Whether you’re an experienced business person or are thinking of starting a new venture, we’re here to help you reach your goals. Since our decisions are made locally, we can work with you to quickly find the best loan option for your situation.

Student Loans
We’ve partnered with Bankers’ Bank and Sallie Mae to offer you the best student loan options.

Companion Products
Be sure to ask one of our Service and Sales Representatives about these other great companion products:

• Automatic Transfers to loans
• FREE Online Banking!
• Night deposit

Automatic Transfers to loans are easy to arrange. Your payment will always be on time, and you don’t have to come to the bank or waste a postage stamp. We can arrange to transfer funds on a regular basis. Transfers to savings on payday will ensure that you reach your savings goals. Transferring funds to make a loan payment will save postage, reduce the interest you pay on your loan, and prevent late fees. Your statement will provide the details of the transfer.

Free Online Banking is a great way to view your account activity, make transfers, and even download transactions to your P.C. We want to make it easy for you to work with your accounts - on your schedule, not ours!

Night Deposit allows you to deposit money or pay your loan when we’re not open. Just drive up next to the building, roll down your window and drop it in the secure drawer. Your money will be safe until we get here and process your transaction.