Loans

You can’t always get what you want—or can you?  Whether it’s a new vehicle or a long-needed home improvement, we have loan options that can help satisfy your particular financial need.

 

Home Equity Loans

Remodeling, adding to or just sprucing up your home? Use the equity in your home to finance your dreams.

  • Fixed interest rate - enjoy a great home equity loan rate
  • Fixed repayment term of the loan
  • Fixed monthly payment
  • Quick payout of funds
  • Interest paid may be tax deductible*
  • FREE Online Banking service for reviewing your account information.
  • No annual fee

* Consult your tax advisor regarding tax deductibility and potential savings.

Home Equity Line of Credit

Designed as a source of credit for major purchases and expenses, a Security National Bank home equity line of credit offers many of the same benefits as a loan but with more flexibility.

  • Variable interest rate—based on market conditions, can go up or down
  • Quick turnaround time—your line is ready when you are
  • Easy access by check, phone transfer, in person or online
  • Payment is established by usage; minimum monthly payment is determined by the outstanding balance; no balance, no payment
  • Balance may be “renewable”. As you pay down your existing balance, the funds become available again.
  • Interest paid may be tax deductible*
  • FREE Online Banking service for reviewing your account information
  • No annual fee

* Consult your tax advisor regarding tax deductibility and potential savings.

Vehicle Loans

Intended for clients purchasing a new or used vehicle or refinancing a vehicle you already own.  Vehicle loans from Security National Bank offer competitive rates while maintaining our trademark high level of service. We strive to make sure you find the car that you want, with the payment that you need.

We offer loans for the following vehicles:

  • Cars
  • Trucks
  • Boats
  • RVs
  • Campers
  • Snowmobiles
  • Golf Carts
  • Motorcycles
  • Jet-Skis (and other watercraft)
  • ATVs (and other landcraft)

Features:

  • 1/2 pt discount for automatic deduction from an Security National Bank account
  • A variety of terms are available
  • New vehicles borrow up to 90% of Manufacturer's invoice or signed purchase agreement, whichever is lower
  • Used vehicles borrow up to 90% of the sales price or NADA trade-in value, whichever is lower
  • Classic or restored vehicles require a qualified appraisal to determine value
  • Full coverage insurance required
  • No pre-payment penalty
  • Competitive interest rates
  • $2,500 minimum loan amount
  • No salvaged titles permitted
  • Aircraft loans available*

* Visit with a Business Banker regarding aircraft. Terms and conditions vary.

Unsecured Loans

Perfect for short-term needs, unsecured loans offer clients competitive rates and terms dependent on individual credit ratings.

  1. Competitive rates
  2. A variety of loans are available
  3. Minimum loan amount: $2,500
  4. ½ point deduction for automatic payment from a Security National Bank account

Overdraft Protection

Ideal for life’s unforeseen mishaps, our Overdraft Protection product offers reliable protection without the hassle of per transfer fees.

Security Reserve Line of Credit

  • Minimum line amount: $500
  • Maximum line amount: $4,999
  • Fixed interest rate
  • An annual fee applies
  • Pay in full at any time without a pre-payment penalty
  • No per transfer fee assessed

Executive Line of Credit

  • Minimum line amount: $5,000
  • No maximum line amount
  • Variable interest rate
  • An annual fee applies
  • Pay in full at any time without a pre-payment penalty
  • No per transfer fee assessed
  • Personal Financial Statement required