Loan Services

Consumer Loans | Home Loans | Construction Loans
Credit Card Services | Student Loans

Consumer Loans (Automobile, Boats, and Recreational Vehicles)

• Finance new and used items up to six years old
• Flexible terms
• Competitive Interest Rates
• Automatic Payment services from DCB deposit account available
• Fast Approval
• Instant Loan closing - ability to close your loan within 15 minutes of approval on most consumer loans
• Death and Disability Insurance available
  

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Construction Loans (Residential Home Loans):

• Loan decisions in 4 hours
• Loan closings in 7 days
• Nine months to complete home - allows more flexibility than the conventional six month loan
• Low interest rate during construction
• Origination Fee
• No Discount Points
• You pay interest only on the amount you have borrowed, not the total amount of the loan
• Title Insurance is not required on loans less than $500,000
• Reduced closing cost when converting to permanent mortgage
• Permanent mortgages are available
• Other rates and terms available for speculative and commercial construction
  

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Credit Card Services (MasterCard - Visa):

• No annual membership fee
• Automatic travel accident insurance*
• Travel Discounts
• Travel Dividends
• Emergency Cash
• Cardholder Vantage Point - a quarterly newsletter will come to you with your credit card statement
• Eye wear discount
• Extended Warranty
• 90-Day Product Protection against direct physical loss or damage (some exclusions apply)
• Charge card unemployment, disability and life credit insurance available at an extra charge
  

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Student Loans
DeKalb Community Bank teams with EdSouth to offer student loans to suit all loan needs. Simply click on www.edsouth.com and learn the basics of financing for your college education. You can learn about financial aid, get information on the career of your choice, take a virtual tour of the college campus of your choice and find out all about student loans. You can also view your account online! Let DeKalb Community Bank help take the worry out of making your dream a reality!

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*Insurance products: Are not FDIC Insured Are not a deposit of the bank Are not guaranteed by the bank May go down in value Are not insured by any government agency

For more information, email Loans@wilsonbank.com