Personal Lending

We have established relationships of trust since we were founded in 1905. We offer loans that meet our customer’s needs. We offer a variety of loans from mortgages, home equity lines of credit, auto loans or other personal loans. We are committed to earning your business every day. Contact one of our friendly representatives for more details.


Have you found the house you want to buy or wanting to refinance your current home? Elberfeld State Bank can make it happen. Our mortgage lenders can help you understand the options available and answer any questions you might have. Our lenders can help you select a mortgage that is right for you.

Loan Types available:

  • Freddie Mac Loans
  • Construction Loans
  • Home Equity Lines of Credit
  • Adjustable-rate mortgages (ARMs)
  • Short and Long Term Financing

Home Equity

Need money to make home improvements, pay for education, or need to consolidate some debts? A Home Equity Loan can help you achieve your goal. A Home Equity Loan gives you the money you need in a lump sum. Take as little or as much as you need on a revolving basis. It’s easy and convenient.

Auto Loans

Is it time for a new vehicle? We can help. Whether it’s a new or used vehicle, Elberfeld State Bank can get you on the road. We offer competitive rates and terms.

Installment Loans

There are many reasons why you may need a loan. We offer installment loans for just about any purpose.

  • Auto Loans
  • Recreational Loans
  • Debt Consolidation
  • Boat Loans