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Growing With You

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Personal Loans

Mortgages & Home Equity Loans

"GROWING WITH YOU" is more than just a tagline at Owen County State Bank. As your financial needs change over the years, we will be here to assist you along the way. Whether you are buying your first home or growing into a new home, our experienced mortgage professionals will guide you through the process and help you find the option that is right for you.

Click the start button to begin the application process for a Mortgage or Choice Home Equity Loan.

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*Subject to credit approval. Please contact Owen County State Bank for current interest rates. Owen County State Bank is an Equal Housing Lender.

Personal & Auto Loans

Do your plans involve a new car, appliance, recreational vehicle, motorcycle or a dream vacation you've always wanted to take? Whatever it is, we will work to provide you a fast and friendly response with immediate approval and processing when possible.

As a locally owned bank your credit conversations stay here and our convenient and flexible programs will match your needs and budget with a loan that's right for you.

We offer affordable fixed or adjustable rate options on many types of loans with both secured and unsecured terms. The convenience of having your payments deducted automatically from your checking or savings account can, in some cases, qualify you for a discount on your loan. Borrowing against your savings or CD is an option which ensures you a very low loan rate while preserving the growth of your deposit account for future use.

Consumer loans come in many shapes and sizes but whether your solution is a simple fixed rate auto loan, bill consolidation, home equity or personal line of credit (ready reserve), careful shopping for your financing will prove we offer home town comfort and affordable choices.

Please call on our loan officers for additional information, consideration and support for your personal loan needs.

*Subject to credit approval. Please contact Owen County State Bank for current interest rates. Owen County State Bank is an Equal Housing Lender.

Home Equity Line Of Credit

A Home Equity Line of Credit (HELOC) allows you to borrow against the equity in your home. HELOCs are a great way to help pay for your child's college education, a home improvement you've been thinking about, or for the vacation you've been dreaming of. Plus with a HELOC, your interest may be tax deductible!* No matter what you need the money for, Owen County State Bank makes getting it easy. Our loan officers can help you through each step of the process.

*Subject to credit approval. Please contact Owen County State Bank for current interest rates. Owen County State Bank is an Equal Housing Lender.

Personal Line Of Credit

With a revolving line of credit you have the freedom to spend funds wherever and whenever you need.

  • No annual fee
  • No collateral required
  • Competitive rates
  • Flexible payment options
  • Provides overdraft protection for your Personal Checking Account
  • Access funds online or at your local branch

*Subject to credit approval. Please contact Owen County State Bank for current interest rates. Owen County State Bank is an Equal Housing Lender.