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Consumer Loans
Finding the right loan is EASY!
Whether for purchases or emergency expenses, Oak Valley and Eastern Sierra Community Bank has a Consumer Loan to meet your financial needs.
Personal - Unsecured
Learn More | Apply Now |
Unsecured personal loans for planned or unplanned expenses. Terms available up to 3 years. |
Personal - Certificate of Deposit Secured
Learn More | Apply Now |
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
Learn More | Apply Now |
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. |
Auto Loans
Apply Now |
New and Used Auto Loans available (Current model year, plus up to 4 years). Contact Branch for additional rate and term information. |
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Rates, terms and fees are subject to change without notice.
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| Terms up to 3 years |
Loan Amounts |
Interest Rate |
Loan Fee |
Annual Percentage Rate (APR)* |
$2,500 - $5,000 |
15% |
$75 |
17.20% |
*The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The above APR is based on a loan of $2,500 and a term of 36 months and includes a $75 loan fee. The estimated monthly principal and interest payment is $86.70. Your actual APR and monthly payment may vary based on loan amount and term. A late charge of 5% of the unpaid portion of the regularly scheduled payment or $5, whichever is greater, will apply if a payment is 15 days or more late. If the loan is paid off early, you will not be entitled to a refund of the prepaid finance charges, and you will not have to pay a penalty.
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| Loan term to match securing CD term |
Loan Amounts |
Interest Rate |
Loan Fee |
Annual Percentage Rate (APR)* |
$2,500 up to the amount of the securing deposit |
Securing deposit rate plus 3.50% |
$75 |
5.76% |
*The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The above APR is based on a loan of $20,000 and a term of 36 months and includes a $75 loan fee. The estimated monthly principal and interest payment is $603.92. Your actual APR and monthly payment may vary based on loan amount and term. A late charge of 5% of the unpaid portion of the regularly scheduled payment or $5, whichever is greater, will apply if a payment is 15 days or more late. If the loan is paid off early, you will not be entitled to a refund of the prepaid finance charges, and you will not have to pay a penalty.
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| Overdraft Protection for OVCB/ESCB Checking Accounts |
Loan Amounts |
Interest Rate |
Loan Fee |
Annual Percentage Rate (APR)* |
Term |
$500 - $5,000 |
15% |
NA |
15% |
Revolving |
*The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. An annual Fee of $15 will be charged annually (waived the first year). A $5 advance fee is charged each time an advance is made from the line of credit. A late payment Fee of $5 will apply if a payment is 15 days or more late. Interest does not accrue until credit line is advanced. Minimum advance is $100. The minimum monthly payment is based on the outstanding balance. If your outstanding balance is over $500, the minimum monthly payment will be 5% of the outstanding balance. If your outstanding balance is $500 or less, the minimum monthly payment will be the lesser of the outstanding balance or $25. You may prepay all or any amount owing under the credit credit at any time without penalty.
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