Online Banking

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Personal Loans


Ready to purchase a home?

We are available and here to support you every step of the way during the home financing process.

Home Equity

Refinance your mortgage and reach your goals!

We are ready to fit you with the best refinance options.


Ready for more?

Personal, Auto & Recreation Loans with flexible terms to meet every need.

Settlers Bank makes borrowing easy. We act fast on your request, but take the time you need to understand the process. Our size allows us to be flexible in serving our customers. Whether you are a first time borrower or have lots of experience with borrowing money, we adjust to meet your needs. We offer flexible terms and repayment plans. Contact us today about Home Loans, Auto Loans and other personal loans.

Personal Loans

This type loan can be used for just about anything. A personal loan is just what some customers need to meet their day to day financing requirements. We offer flexible terms and repayment plans. Plus, all decisions are made locally. This means that we can often provide an instant decision in person or over the phone.

Auto Loans

If you are in the market for a new or used car we encourage you to give us a call before you shop. Pre-approval eliminates the uncertainty of financing your vehicle and allows you to focus on getting the best bargain. Settlers Bank offers competitive rates coupled with flexible payment schedules.

Recreation Loans

Enjoy our beautiful rivers on your new boat or travel the countryside in your new RV! Settlers Bank can provide the financing you need when it comes to recreational vehicles. We encourage you to stop in and talk to one of our friendly loan officers before you buy. Pre-approval gives you more bargaining power and our loan officers help you understand how much you can afford. Competitive rates and flexible repayment terms make Settlers Bank a great choice for recreational vehicle loans.

Mortgage Loans

Settlers Bank provides many financing options for our customers that own their home or are in the market to purchase a home. We also offer a variety of other home loans.

Mortgage Loan – A mortgage loan is what most people think of when they think about borrowing money to purchase their home. The distinguishing characteristic is that the loan is secured by a mortgage or lien filed against the property. You pledge your home as collateral against the loan.

Fixed rate loans – With a fixed rate mortgage loan the rate is set at the time of the loan and stays constant throughout the term of the loan. Settlers Bank currently offers fixed rate mortgage loans at competitive rates and terms. Our loan officers will work with you from the time of application to closing to make sure the process goes smoothly; stop in today for more details.

Variable rate loans – With variable rate loans the interest rate can change during the term of the loan. At the start of the loan, the initial rate is set. During the term of the loan the interest rate can adjust. If the rate changes, so does the amount of your payment.

Other loans

Primary residence construction loans – Settlers Bank works with our customers that are interested in building their own home.

Land only loans – Many times our customers are interested in purchasing land for future use.

Second mortgages – Sometimes a person owes less on their mortgage loan than the value of their home. Instead of refinancing the entire loan, the customer can simply borrow additional money using the home as collateral. In this type loan the bank uses the home as collateral, but is second in priority behind the financial organization that holds the first mortgage.

Home Equity Line of Credit (HELOC) – This loan is similar to a second mortgage, but instead of borrowing a specific amount and setting up payments, you establish the amount and use it as needed. The amount is established taking into consideration the value of your home and the amount you owe. After the HELOC is approved you may use the funds as needed. The amount of your monthly repayment is based upon the amount you owe. Whether you need funds to buy a new car, that much needed vacation, or anything else, you know in advance that that the funds are available.

Our qualified home loan officers are ready to help. Give us a call at (740) – 373-9200 and we will provide the answers you need to make a home loan work for you.


*Loan Rates and terms may vary

*All loans subject to credit approval.