Loan applications
Borrowing, the community-bank way.
From a new truck to a first home, our loan officers live and work right here in Ohio County — so decisions are made locally, quickly, and by people who actually know you. Tell us your plan, and we’ll help you finance it.
What we lend
A loan for almost any plan.
We keep underwriting close to home. Whether you’re consolidating bills, replacing a vehicle, or adding acreage to the farm, you’ll sit down with a neighbor — not a toll-free number.
Everyday borrowing
Personal loans
Fixed-rate installment loans for auto repairs, medical bills, vacations, debt consolidation, and just about everything else life throws at you.
On the road
Vehicle loans
New or used — cars, trucks, motorcycles, and boats. Competitive rates, terms that fit your budget, and a decision from folks who know what Kentucky roads are like.
Under your roof
Mortgage & home equity
Purchase and refinance mortgages, plus home equity loans and lines of credit for additions, repairs, or that kitchen you’ve been planning.
Down on the farm
Agricultural loans
Operating lines, equipment purchases, and livestock financing for Ohio County’s farm families — we’ve been lending to them since 1922.
Flexible access
Lines of credit
Revolving credit you can draw on when you need it and pay back when you don’t — handy for seasonal income or surprise expenses.
Smart & simple
Share-secured loans
Borrow against your savings or CD at a low rate, keep earning interest on your deposit, and build credit at the same time.
How it works
Four steps from “maybe” to “done.”
1
Talk to us
Stop by either office or call (270) 274-5675. Tell us what you’re planning and we’ll point you to the right loan.
2
Apply
Fill out a short application — we’ll walk you through it. Bring ID, income details, and information about any collateral.
3
Local decision
Your application is reviewed here in Beaver Dam — usually within one or two business days, not weeks.
4
Close & go
Sign your paperwork, get your funds, and get on with it. Payments can be set up automatically from your account.
Ready to talk it through?
Call us at (270) 274-5675 or stop by the Beaver Dam or Dundee office. Prefer to compare numbers first? Try our financial calculators to estimate payments before you apply.
