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Loans & Credit

If you are thinking of borrowing money, think StateCentral Bank. Our experienced loan officers would welcome the opportunity to sit down with you and discuss how we can satisfy your financing needs.

Installment Loans 

Secured and unsecured loans for virtually any purpose

  • Quick response to loan applications---saving you time and money
  • Competitive interest rates with flexible payment terms
  • Make payments directly from your checking or savings account
  • Get assistance with "big ticket" purchase decisions

Home Mortgage Loans 

Great rates and cost saving service

  • Various in-house programs available
  • Low closing costs
  • Deal with local people, payments made to local bank
  • Quick response to loan applications--saving you time and money

Home Improvement Loans

Let the equity in your home help you fund home improvements or help with big expenses like a car, boat, trailer, or college education.

  • Borrow up to 80% of the value of your home
  • Competitive rates with monthly payment terms arranged
  • Low closing costs
  • Loan approval at local bank
  • Payments and payment schedule tailored to meet individual needs
  • Interest, in most circumstances, may be tax deductible
  • Make payments directly from your checking or savings account 

State Central Bank also offers the following loan options:

  • Refinance Mortgages
  • Second Mortgage or Vacation Homes
  • Mobile Home Financing
  • Construction Loans
  • Secured Loans
  • Debt Consolidation

For more information on any one of State Central Bank's loans, please contact a loan officer at your nearest State Central Bank. 

Mortgage Loan Originators NMLS ID

Arch Logan Bonaparte 838240
Daniel Logan Farmington 1483876 

Visa/MasterCard Account

Having a State Central Bank Mastercard and Visa credit card not only offers you the convenience of instant credit, but can also, with responsible use, help you achieve a higher rating on your credit score! Accepted world wide and offers benefits that you may not have considered:

  • No annual fee
  • $150,000 worldwide travel/accident insurance at no cost to the cardholder
  • Make your monthly payments at any State Central Bank location or by mail
  • Credit line decisions are made locally--by people who know you
  • Questions are handled locally by State Central Bank personnel 

Ready Reserve

  • Personal Line of Credit attached to your checking account
  • Credit line decisions are made locally--by people who know you
  • Statement generates on the same day as the checking account and will show payment amount and due date
  • "Write yourself a loan" up to the approved limit