Today, we offer a wide variety of loan solutions that feature competitive rates and flexible terms.
If you have your eye on a new or used car, Bank of Clarke is your single source lending solution. We offer loans with flexible terms and competitive rates. Ready to buy a car now? Get pre-approved to make the purchasing process smoother.
A personal loan is a great way to help fund a dream vacation, make home improvements, pay off high interest credit cards, repair a vehicle, or take care of a wide variety of other needs. Bank of Clarke has great rates and flexible terms to fit your budget.
Interested in a Personal Line of Credit (LOC)? We can transfer funds right into your checking account, with no application fees or monthly payments until you utilize your Personal Line of Credit.
No matter what stage of life you find yourself, selecting the perfect home is important. Whether you are purchasing your first home or your next one, we can help streamline the process. Bank of Clarke offers a wide variety of mortgage options at competitive rates to meet your unique needs.
Let us be your one stop Mortgage solution for:
Our 24/7 online Mortgage portal gives you everything you need at your fingertips!
We offer VA loans to military borrowers, including active-duty personnel, veterans, reservists, national guard, and their spouses.
We partner with FHLBank Atlanta to support those who make their living by serving our communities, including police officers, fire fighters, active-duty military personnel and spouses, educators, and health care workers. You can receive up to $10,00 towards a down payment on a home, closing costs, or rehabilitation costs. To be eligible, you must:
Let the equity in your home work for you. Home Equity Lines of Credit and Loans are great ways to pay off high-interest credit cards, consolidate debt, improve the look of your home, or pay for big expenses, like your child’s dream wedding. They can also provide possible tax deductibility advantages.
A Home Equity Line of Credit (HELOC)1 may be better for you if you:
Other advantages of a HELOC from Bank of Clarke County include:
A Home Equity Loan can be the best choice for you if you:
Bank of Clarke offers two convenient options if you are building a home.
One Closing. Benefits include substantial cost savings and a streamlined process.
Two Closings. If you already have a home and need the money from the sale of your existing home to fund a down payment on new construction, this option may help you meet your goals.
Subject to credit approval, ask for details. Please consult a tax adviser for further information regarding the deductibility of interest and charges.
1Bank of Clarke will pay all closing costs for HELOCs up to $500,000 unless the HELOC is terminated within the first three years of origination. Closing costs start with a $250 origination charge plus any attorney's fees, appraisals, recording costs, credit report fees, as well as any other fee that may be assessed in association with the loan origination which generally range between $300 and $4,500. As of January 1, 2023, the ANNUAL PERCENTAGE RATE for HELOCs was 7.50%. This plan has a variable rate feature, which means the ANNUAL PERCENTAGE RATE, minimum payment amount, and final payment amount may change monthly. The ANNUAL PERCENTAGE RATE does not include costs other than interest and is based on an index using the Wall Street Journal prime rate and a margin rounded to the nearest 0.125%. Under no circumstance will the ANNUAL PERCENTAGE RATE go below 7.50% or exceed 24.00%. All rates and terms are subject to change without notice. Please contact us for more details.