Personal Loans

We'll loan you the money you need at a fixed rate for a variety of purposes you choose. Personal Loans are offered to qualified borrowers.

  • Fixed monthly payments

  • Loans from $1,000 to $10,000

  • Flexible Terms are available

Reserve Credit

Reserve Credit is a credit line designed to protect you from overdrawing your checking account. The reserve credit is linked to your bankHometown account and will transfer from your available credit to your checking should you have insufficient funds. You may apply for as little as $500 and as much as $3,500.

Existing customers: please click the apply now button or visit one of our convenient branch locations.

New customers: Please visit one of our convenient branch locations to open your new bankHometown checking account and apply for a reserve credit.

Collateral Loans

This loan is ideal to help you rebuild or establish credit. You can use your bankHometown savings account, Certificate of Deposit (CD), or stocks to secure the loan.

  • Loans up to 90% of funds on deposit with bankHometown
  • Flexible terms
  • Fixed monthly payment option available

An online loan application is not available for this product. To obtain a collateral loan visit one of our convenient branch locations.


Plus, check out our Auto Loan and Boat Loan rates below.  Apply online today!

Effective Date: April 5, 2018

  Interest Rate Annual Percentage Rate (APR) Payment per $1,000
Automobile Loan Rates
New Auto SPECIAL term up to 60 months 2.990% 3.112% $17.96
New Auto term to 72 Months 6.500% 6.606% $16.81
Used Auto term to 36 Months 4.250% 4.450% $29.64
Used Auto term to 48 Months 4.750% 4.902% $22.92
Used Auto term to 60 Months 4.990% 5.114% $18.87

Consumer Loan Annual Percentage Rate (APR) quoted above are based on representative $10,000 loan amounts and include vendor single interest insurance. Rates are subject to change without notice. All loan applications subject to credit underwriting and property approval. Automobile loans are limited to a maximum of 100% loan-to-value on new cars and up to the “average loan amount” as shown in the NADA Blue Book for Used cars. Comprehensive insurance required on car loans. Contact bankHometown for specific details.



Boat Loans
NEW - 60 Month term 7.990% 7.990% $20.27
NEW - 72 Month term 8.990% 8.990% $18.02
NEW - 96 Month term 9.990% 9.990% $15.17

Boat Loan Annual Percentage Rate (APR) quoted above are based on representative $1,000 loan amounts. Property insurance required on boat loans.