Take Your Pick

We don't believe in "one size fits all", and neither should you. You deserve a line of credit that will be for you when you need it.

Home Equity Line of Credit

Your home is the key to gaining financial flexibility.

  • Competitive Rates
  • Use up to 90% of your home's value
  • Make interest-only payments if you choose


Get back to nature by capitalizing on the equity in your recreational property.

  • Lower interest rate than other forms of credit
  • 90% of the value of recreational properties, second homes, & residential property
  • Revolving credit, with ongoing access to funds

Ready Credit

Even an air-tight budget can only take you so far. When life takes you by surprise, be ready!

  • Access with your Debit Card
  • Use Bank Online services
  • Only pay interest on funds used

Keep your loan close to home

Many local financial institutions claim that they offer local lending, but when you take a closer look, you can begin to see what sets SNBT apart. You can feel comfortable knowing, there are no extra fees for local loan servicing and maintenance.

Local service supports our mission: To be the premier provider of trusted financial solutions. That’s the difference when you get a loan with SNBT. So, when we say that we offer Truly Local Lending from start to finish, we mean it.

* This limited-time offer is subject to credit approval and SNBT standard underwriting requirements. This offer includes residential property up to 90% loan-to-value. When opened, the introductory Annual Percentage Rate (APR) is as low as 3.50% for 12 months. Beginning thereafter, the variable APR is as low as Prime +.50 with a floor rate of 3.875% as of 3/14/2022. Interest rates may vary and are indexed to the Prime Rate as published on the first business day of the month in The Wall Street Journal. The maximum APR will not exceed 18%. The $50.00 annual charge waived for one year. Property and/or flood insurance may be required. Closing cost credit of up to $200. Minimum loan amount is $10,000.00 for new loan or a refinance of a current SNBT line of credit increase in credit a minimum of $10,000.00 Other fees and restrictions may apply. Offer available starting March 14, 2022, and is subject to change at any time without notice. Consult a tax advisor regarding the deductibility of interest. For consumer use only.

Personal Loan Checklist

Make it easy on yourself.

Get the process started by dotting your i's and crossing your t's.

  • Personal Loan Application
  • Sales Contract (If Applicable)
  • Loan Payment Information
  • Two Recent Paystubs
  • Most Recent W-2
  • Current Bank & Investment Statements
  • Driver's License