• Advance Credit Line
• VISA Credit Card – Personal
• Overdraft Protection
• Home Equity Lines of Credit
• Consumer/Personal Loans
• Loan Lagniappe
• Student Loans

ACL is designed with the individual in mind. Establish your ACL to end the inconvenience of completing applications each time you need to borrow. Your personal pre-approved line of credit can be secured or unsecured depending on the amount of Advance you choose. Pay no interest until you write a check, and then only for the amount borrowed. Stop by one of our full service branches today to complete an application and for further details.

Earn Bonus Points redeemable for FREE gifts and travel awards each time you make purchases using your Peoples State Bank VISA® Classic or VISA® Gold Card.

• Bonus Points are reported on your monthly statement
• When you use your card, you are eligible to receive many benefits like:
   
  • Toll-Free Travel Reservation Service
  • Bonus Travel Dividends
  • Auto Rental Discounts
  • Credit Card Registration
  • Key Registration
  • Automatic Renter’s Liability
  • Medical Assistance
  • Travel Protection
  • Lost Luggage Locator Service
  • Lost or Damaged Luggage Insurance*
  • Hotel/Motel Theft Insurance*
  • Concierge Service
  • Quarterly Newsletter

View Your Statement Online

Verified By Visa

Your Visa card is now protected by Verified by Visa — it password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction. Your card will then have password protection whenever you shop online at participating stores listed at www.visa.com/shopverified.

• Not a deposit
• Not FDIC Insured
• Not Guaranteed by the Bank
• Not guaranteed by any Federal Government Agency
• May lose value

Designed to provide protection in the event of withdrawals exceeding your current checking account balance. Overdraft Protection covers up to the limit approved. Benefits include: if an item is presented for payment and there are insufficient funds to cover it, ODP will transfer funds to prevent an overdraft. Ends rushing to the bank to make a deposit or transfer funds, all charges and overdraft advances are automatically withheld from your checking account when a deposit is made. Enroll today by stopping by any full service branch, call or e-mail for more information and an application.

If you need a loan for new appliances, consolidate bills, purchase a car, truck, or recreational vehicle, and so much more, we will be happy to visit with you. We can give you expert financial advice along with competitive rates and terms to fit your budget.

• Adjustable Rate Mortgage (ARM):
  • Interest rate is tied to price of Treasury Bills and adjusts at specific periods. Rates are usually 2% lower than fixed rate mortgages during first year. Most ARMS cannot go up more than 2% per adjustment period or 6% for life of loan.
     
• Annual Percentage Rate (APR):
  • Actual rate you pay during the life of the loan, including interest, points, and certain closing costs.
     
• Appraisal:
  • An official valuation of market value of a house. Have the house you want to buy appraised so you don’t pay more than it is worth.
     
• Closing:
  • Transfer of ownership of a house when you sign loan papers and deed is recorded.
     
• Credit Report:
  • Report on how timely you pay your bills, debt you are carrying, and your current monthly payments. Credit history is important when a lender considers your loan application.
     
• Fixed Rate Mortgage:
  • Interest rate is locked in for life of loan, so future changes in interest rates won’t affect it.
     
• Insurance:
  • Hazard insurance and title insurance are required when getting a mortgage. Mortgage insurance also may be required.
     
• Interest:
  • Cost you must pay to lending institution for money you borrow.
     
• Lock-in:
  • To get a set interest rate when applying for a mortgage and not when you close.
     
• Points:
  • Part of the closing costs a lender may charge. One point equals 1% of the amount borrowed.
     
• Prepayment Clause:
  • Provision permitting you to pay off mortgage early to reduce interest costs. Some lenders charge a penalty for prepayment.
     
• Principal:
  • Amount you borrow, excluding interest and points.

We offer financial aid for higher education, including the Stafford Loan. Whether it be subsidized or unsubsidized we can help with your student loan needs. Click here or visit http://www.salliemae.com for more information.