Personal Loans 
If you need money for a vacation or other personal expenses, we are available to help you with competitive rates and quick personal service.  Most consumer loans are approved in less than one hour.  
 
To print an application for a personal loan, please click here.  Completed applications may be dropped off at any location or sent by regular mail to any location. 
 
For your convenience, we offer a variety of ways to make your loan payment or check your loan balance that can save you time and money.    

  • Automatic payment – We can automatically deduct your loan payment from your checking or savings each month.  That means no more writing and mailing checks . . . or unnecessary fees from accidental late payments.
  • 24-hour Banking - Track your loan balance or make a payment day or night through Internet or Telephone banking.  
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    Credit Cards 
    Give yourself the credit - and benefits - you deserve! Our cRewardsSM Credit Card offers great benefits! 

  • Competitive rates*
  • No annual fee
  • 0% fixed introductory APR on all balance transfers for 6 billing cycles
  • Earn one reward point for every net dollar spent
  • $0 Fraud Liability Protection
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • The 24/7 Customer Contact Center Representatives are located in the U.S. and are dedicated to providing you with personal attention, the kind you receive when you come into our branch.
  • Online Account Access: Track Spending, Make a Payment, Set Alerts, and more!
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    Apply Now!!  Credit Card Application 
     
    Earn reward points on your cRewardsSM Credit Card* 

  • Earn 1 reward point for every net dollar spend
  • No limit on points
  • Points never expire
  • Redeem your points for Travel - Airfare, Hotels, Car Rentals and more!! Merchandise - Electronics, Jewelry and more!

  • Click here to browse rewards! 
     
    Current credit card customers may log in here to check your transaction history, pay your bill, view your statement and download information to your financial software for FREE! 
     
    *See the card application's Important Disclosures for current terms, rates and fees.  Credit cards are subject to credit approval.  Cards are issued by TCM Bank, N.A. 
     
    Student Loans 
    The Smart Option Student Loan® by Sallie Mae® For borrowers attending degree-granting institutions. 
     
    Now you can pay for college the smart way with three great repayment options and competitive interest rates! 
    The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more please get started here. 
     
    The Smart Option Student Loan features and benefits: 
  • We offer a choice of competitive fixed and variable interest rates   providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Multiple in-school repayment options available
  • Borrower benefits available – like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • 24/7 online account management
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    To learn more, please get started here. 
     


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