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The Bank of Fayette County offers loans for almost every imaginable purpose. We understand that our customers’ interests, lifestyles and needs are very different. Our Lending Professionals are trained to assist you with your financial needs.
 We offer the following types of Personal Loans:
 installment
LOANS
A loan for personal or family purposes. This loan is available on a secured or unsecured basis at either a fixed or variable rate of interest. The length of the repayment depends of the purpose or amount of the loan. Payments are made in monthly installment (you choose a convenient monthly due date). Credit life/accident and health insurance are available. Payments may be made either by mail, in person or deducted from a Bank of Fayette County account.
automobile and
RECREATIONAL VEHICLES
Financing is available for the purchase of a new or used vehicle.
home equity
LINES OF CREDIT
No closing costs associated with obtaining the Home Equity Line of Credit. Lines of credit are available up to 100% of the value of your home, depending upon your individual circumstances. In many instances, home equity interest may be deductible for income tax purposes.
fixed rate
MORTGAGES
This loan is a Conventional long-term, fixed rate mortgage. We offer 15-year and 30-year terms. The interest rate remains constant of the mortgage. The monthly principal and interest payment remains constant.
adjustable rate
MORTGAGES
Adjustable Rate Mortgages have an interest rate that adjusts periodically at predetermined intervals. Adjustable rate mortgages are available with a variety of indexes, margins, lifetime caps and adjustment periods. All these factors combined determine your interest rate and payment. The initial interest rate for an adjustable rate mortgage is typically lower than that of a fixed rate mortgage. The Bank of Fayette County offers a wide variety of adjustable rate mortgages from which to choose.
construction
LOANS
The Bank of Fayette County specializes in custom construction lending. Our Loan Officers are committed to participating in each part of the construction process. Our inspection process helps control the disbursement of loan proceeds.
lot or land
PURCHASE
The Bank specializes in financing land from lots to farms. No tract is too small or too large.
- Various down payment options.
- Terms up to 30 years.
- 85% of purchase price.
construction
FINANCING PHASE
- Up to 85% of appraised value.
- Our inspection process controls disbursements to contractors
- Interest only payments during construction phase.
- We understand construction delays and cost over-runs.
- We hold Pre-Construction meetings to ensure your satisfaction.
permanent
FINANCING PHASE
- Process handled at The Bank.
- Various products and terms offered.
- In-House financing available.
- Apply Now
the community reinvestment act,
EQUAL CREDIT and FAIR HOUSING
The Board of Directors and management of The Bank of Fayette County are committed to compliance with the Community Reinvestment Act (CRA) and will take the necessary actions to insure that The Bank continues to provide convenience and service to the communities in which it is chartered to do business.
The Bank of Fayette County will not tolerate illegal discrimination by any of our officers, employees or agents against any current or potential credit customer.
consumer
LOAN APPLICATION
Please click a link below to download an application in Adobe PDF format. To view these files, you must have the Adobe Acrobat Reader, which you may download here for free.
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