Exchange Bank offers a variety of loans – whether your loan needs are large or small, we are ready to talk with you about how our loan services can meet your needs. All lending and credit decisions are made quickly and locally. Call (256)547-2572 and speak to a loan officer – fill out an application here today.
Credit Cards are convenient and can give you rewards. Every purchase with an Exchange Bank Visa will earn ScoreCard points that can be redeemed for travel and merchandise. Talk to one of our lenders or apply here today!
Whether you want to consolidate debt, take a vacation, cover unforeseen expenses or make that larger purchase, a personal loan can get you where you need to be. Our knowledgeable lending professionals can tailor it to whatever your needs may be.
Personal Line of Credit
Looking for additional financial flexibility? Have money the moment you need it with a personal line of credit. Use as needed, for whatever you need it for. Make easy transfers from the line of credit to your deposit account through internet banking.
Overdraft Lines of Credit
Overdraft Lines of Credit are designed to keep you covered during times of need. The credit line is tied directly to your checking account and sweeps in increments of $100 to keep your checking account from being overdrawn. It will keep you covered and give you peace of mind.
Business Loans can be customized to meet your specific commercial needs. Exchange Bank is committed to the ongoing strength of our local economy and we work with businesses of all sizes and types to aid in the success of our community.
Auto Loans are available at competitive interest rates. We offer complete financing services on all types of automobiles, including both new and late model used cars.
Home Loans and Mortgages
Home Loans and Mortgages are offered, including traditional fixed rate mortgages, variable rate mortgages and home improvement loans. We offer competitive market interest rates and terms for the home of your dreams with payments suited to meet your needs. We are an equal housing lender.
Home Equity Loans
Home Equity Loans are personal lines of credit which let you use the equity in your home for home improvements, new or used cars and trucks, and other major purchases. Apply once and then borrow when you need extra funds. As you repay, the entire amount becomes available for you to use again and again. You will have easy access to the line through checks and a Visa Gold card.
Real Estate Loans
Real Estate Loans can by arranged to suit your needs and your budget for personal and business property.
Construction Loans can help you finance the home you have always dreamed of. Funds are advanced “as needed” during construction, and interest is charged only on the outstanding balance of your construction account. We offer competitive rates.
We also offer this service at our other locations in Gadsden, Rainbow City, Noccalula, Attalla, Altoona.