Consumer Loans & Mortgages
Fixed Rate
Mortgage
A Fixed Rate Mortgage is a loan in which the interest rate does not change during the entire term of the loan. Loan is held and serviced by Maple City Savings Bank.
- Available in terms ranging from 10 to 30 years.
- If you qualify, we can lend a maximum of 97% of the value of the property.
- Low closing costs.
- Competitive rates.
- Convenient payments through AutoPay.
- No Pre-payment penalty.
* Value determined by purchase price or appraised value, whichever is lower *
Construction
Loan
A Construction Loan is a loan that helps you purchase and improve your new home with one mortgage, lock in low fixed rate terms and spread out the cost of renovations and improvements over the full term of the mortgage. This product combines a construction line of credit and permanent mortgage into one loan. Maple City Savings Bank offers both new construction and purchase construction loans.
- Available in terms ranging from 10 to 30 years.
- There are no “extra costs”, conversion fees or inspection fees after closing.
- Interest charged will only be on the amount of funds released until completion of the construction.
- Homeowners are permitted to manage their own construction project.
- This product is held and serviced by Maple City Savings Bank allowing additional flexibility and responsive service through your project.
Home Equity
Loan
Home Equity Loan “Home Equity” is the difference between the current market value of your home and the amount that you still owe. You can use the equity in your home as collateral for the purpose of this loan. With the proceeds from your Home Equity Loan, you can put your home improvement plans, debt consolidation needs, or dream vacation wishes into motion! Maple City Savings Bank offers a variety of fixed rate home equity loans to fit your needs.
- Available in terms ranging from 5 to 15 years.
- Borrow up to 80%, and in some cases up to 90%, of the equity in your primary residence.
- Borrow up to 75% of the equity in your non-primary residence(s) (vacation or 1-4 family rental property).
- Low closing costs.
- You may be eligible for tax deductions.
Home Equity
Line of Credit
Home Equity Line of Credit (HELOC) is a revolving line of credit with your primary residence as collateral. As you repay your line of credit, you can access the funds again and again whenever you need to, up to your available credit limit and term of the loan. This is a smart choice for those who need ongoing access to funds.
- Access to funds as you need them, up to your credit limit.
- Easy access anytime via ATM, Online Banking, Line of Credit Debit Card or checks.
- The first 12 months will be Fixed and then switch to an Adjustable Rate.
- Borrow up to 90% of the appraised value of your home.
- Advances can be taken over a 5 year period and repayment can be made over a maximum period of 10 years.
- You may be eligible for tax deductions.
Auto
Loan
Auto Loans at Maple City Savings Bank are offered for a term of 4 or 5 years and is secured by the automobile.
- Available in up to a 5 year term
- $5,000 minimum loan amount
- Fixed Rate Loan
- Fast and efficient processing
Recreational
Loans
Recreational Vehicles and other Outdoor Sports Equipment Loans at Maple City Savings Bank are secured by the asset as collateral for the loan. The asset must have equal or greater value than the amount of the loan.
- Available in up to a 5 year term
- $2,500 minimum loan amount
- Fixed Rate Loan
- Fast and efficient processing
Manufactured Home
Loan
A Manufactured Home Loan is a loan secured with your manufactured home as your primary residence. Your Manufactured Home can be located in a Mobile Home Park, on rented land, or on land you own.
- Available in terms up to 15 years
- Fixed Rate Loan
Property Improvement
Loan
Property Improvement Loan - Whether you're planning full-scale changes or simply redecorating, Maple City Savings Bank can make your home improvement projects more affordable. Do you need to update your home with energy efficient windows, furnace, or insulation? Does the interior/exterior need a face lift, like flooring, remodeling, landscaping, or siding? Come visit one of our Loan Officers to see how you can get the money you need for all your remodeling projects.
- Available in terms ranging from 1 to 5 years.
- Borrow up to $10,000 with your primary residence as collateral.
- Fast and efficient processing.
- Very low closing costs.
Personal
Loan
Personal Loans at Maple City Savings Bank are offered as unsecured loans. Maple City Saving Bank Personal Loans can be used for multiple purposes such as vacations, education, appliances, etc.
- Available in up to a 5 year term
- Up to 3 years - $1,000 minimum loan amount
- Up to 5 years - $1,500 minimum loan amount
- Fixed Rate Loan
- Fast and efficient processing
Please call our loan originators for an appointment today! 607-324-1822
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