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If you have a financial need beyond what your budget can cover, flexible personal loans are available. Qualified borrowers can benefit from a fixed rate loan, allowing for consistent monthly payments. Take that dream vacation, cover unexpected costs or refinance higher interest debt at a better rate.

  • Fixed monthly payments
  • Loans from $1,000 to $10,000
  • Flexible terms available

Reserve Credit

This credit line is designed to protect you from overdrawing your checking account. When linked to your bankESB account, it 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.

Collateral Loans

Looking to rebuild or establish credit? With this secured loan option, you can benefit from flexible terms. You can use your bankESB savings account, certificate of deposit (CD) or stocks to secure the loan.

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

Automobile Loan

Are you ready to purchase a new or used vehicle? We can help you finance a car, truck or SUV of your choice. Choose from flexible terms based on your needs. 

  • Up to 100% financing available for new vehicles
  • Used vehicles can be financed up to the NADA used car guide's average loan value
  • Secured by vehicle
  • Fixed monthly payments
  • Flexible terms for new and used cars

Automobile Loan

Product DescriptionInterest RateAnnual Percentage RatePayment per $1,000
New Auto SPECIAL term up to 60 months2.990%3.108%$17.96
New Auto term to 72 Months 6.500%6.600%$16.81
Used Auto term to 36 Months4.250%4.438%$29.64
Used Auto term to 48 Months4.750%4.894%$22.92
Used Auto term to 60 Months4.990%5.108%$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 bankESB for specific details.

Boat Loans

With just 20% down, we can help you finance a new or used boat and get you out on the open water. Financing is available to qualified buyers at competitive, fixed rates.

  • Secured by boat
  • Fixed monthly payments
  • Flexible terms for new and used boats

Boat Loans

Product Description Interest RateAnnual Percentage RatePayment per $1,000
Boat - NEW - 36 Month term9.990%12.006% $32.26

Boat Loan Annual Percentage Rates (APR's) quoted above are based on representative $1,000 loan amounts and include vendor single interest insurance. Property insurance required on boat loans over $10,000. Maximum loan-to-value 90%.

Couple holding first keys to new home

First Time Homebuyer?

Receive up to $15,000 in grant money through the Equity Builder Program.

Equity Builder Program