Oak Valley Community Bank
Eastern Sierra Community Bank

Consumer Loans

Finding the right loan is EASY!

Whether for purchases or emergency expenses, Oak Valley and Eastern Sierra Community Bank have a Consumer Loan to meet your financial needs.

Personal - Unsecured

Unsecured personal loans for planned or unplanned expenses. Terms available up to 3 years.

MOST POPULAR

Personal - CD Secured

Personal loans secured by your OVCB held deposits for planned or unplanned expenses. Terms available up to the matching term of the securing deposit. Rates typically lower than unsecured personal loans.

Ready Reserve

Ready Reserve is a line of credit designed to cover overdrafts in your account. You can access your Ready Reserve by writing a check, using your debit card, or through Online Banking.

FEATURES UNSECURED CD SECURED READY RESERVE
Loan Amounts $2,500-$5,000 $2,500 – Up to Securing CD Amount $500-$5,000
Interest Rate 15% Deposit rate + 3.50% 15%
Loan Fee $75 $75
Annual Percentage Rate (APR) 17.18%1 5.753%2 15%3
Term Up to 3 years Matches CD term Revolving

Auto Loans

New and Used Auto Loans available (Current model year, plus up to 4 years).

Contact a Branch for additional rate and term information.

APPLY NOW