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Loans

If you’re looking for a loan, turn to people you know and trust.  Our loan staff works with you personally to offer advice and guidance.  All decisions are made locally, by the same people who work with you every day.  The results:  fast approval, customized lending programs and friendly service from people who care.

 

CONSUMER LOAN PRODUCTS

CD or Savings Secured

These loans have our lowest rates. Borrow your “own money” while it continues to earn guaranteed returns. (Rates)

Personal

For a car, motorcycle, boat, vacation and more! (Rates)

We make getting behind the wheel simple. It may be a used vehicle, but it's brand new to you and we want to get you in that car or truck of your dreams. We offer great rates and terms on used vehicle loans that will fit your budget. If your car, truck or van is currently financed somewhere else, consider KCB’s auto refinance as an option.

  • Model years from 2007 to 2013
  • Competitive interest rates (based on applicant credit)
  • Financing up to 90% for new vehicles or 80% of NADA Value Clean Trade In
  • Terms up to 60 months for new; 48 months for two to three year old vehicles
  • Automatic payments via direct deposit and account transfer available
  • Contact us to obtain rates and terms to fit your individual needs

Construction

If you’re looking to build a new home, make it easy by applying for both construction and mortgage loans with KCB Bank. Interest only loans for 9 to 12 months are available during construction. When construction is complete, we can refinance your construction loan into an amortizing 15 or 30 year loan. (Rates)

Vacant Land/Lot

If you’ve found a building site but aren’t quite ready to build, finance the land with KCB and start building equity. (Rates)

 

Mortgage Lending

If you are looking to purchase, refinance or get pre-qualified, our mortgage lending department offers a wide variety of loan programs from USDA Guaranteed Home Loan Program with zero down payment to Conventional 15, 20 or 30 year fixed rate mortgages.  Private Mortgage Insurance is available to those with less than a 20% down payment. You will find that through our experience and professionalism we will explain the process and help you decide the mortgage that best fits your lifestyle.  We will ensure that you understand your mortgage program and still receive the most competitive closing costs, rates and closing times.  Call today for your no cost, no obligation consultation with quick turn times on pre-qualifications.  We look forward to working with you. 

Loan Program Rates and Fees
Your Application
Your Property
Closing and Beyond
Glossary
Loan Calculators

Home Improvement

Looking to improve on or expand your home?  Home Improvement Loans can be financed a number of ways. Get more for your money with our competitive rates.

 

Home Equity Lines of Credit (HELOC)

A home equity loan or line of credit provides you with cash by leveraging the equity in your home - the value of your home minus any mortgage debt. It’s one of the cheapest ways to borrow money if you own a home.

HELOCs can be accessed by simply writing a check. No interest is charged until the credit line is used. The APR is a variable rate based on the U.S. Prime Rate as published in The Wall Street Journal plus 1.00% with a floor of 6%. (Rates)

Use your HELOC to fund:

  • Home improvements.
  • Debt consolidation - combine your credit cards and other debt into one low payment.
  • Emergency expenses.
  • Refinance an existing home equity loan or line of credit.
  • Big events like college or a wedding.
  • Furniture, appliances or a swimming pool.

Contacts

For more information regarding any of our loan products, or to schedule an appointment with any of our lending professionals, call us at the bank or email a member of our staff.  We’re here to help you get the financing you need.

 

BUSINESS LOAN PRODUCTS

When you conduct business with KCB Bank, it’s more than just a financial transaction.  You’ll be forming a strategic partnership with experts who care about your business and understand the many challenges you face.  From sweep accounts to low-fee checking with free debits and credits, our business services are targeted to save you time and money.  Our lending services include:

Lines of Credit

A short term solution for purchases, payroll and cash flow needs. (Rates)

Equipment

Amortized equipment loans available for the purchase of equipment or use existing equipment as collateral for expanding your business. (Rates)

Real Estate

Finance the purchase or refinance existing owner occupied real estate. KCB offers 3 and 5 year terms with payments amortized over 10 to 30 years. Let a KCB lender help you find the best solution to meet your business need. (Rates)

Investment Properties

Let a KCB lender help you find the right loans for purchasing or refinancing investment properties. Whether you’re investing in a 1-4 family residential property, apartment project, office, retail, or warehouse space, we can help you find the best solution for your investment. (Rates)

Construction

Finance the construction of 1-4 family speculative and custom homes or a commercial project. Take advantage of KCB’s interest only options during construction and permanent financing options once construction is complete. (Rates)

Agriculture

Use lines of credit to finance seasonal cash flow for crops or cattle. (Rates)

Letters of Credit

Letters of credit are available to meet your vendor’s requests for taxes, utilities, and construction jobs. (Rates)

Contacts

For more information regarding any of our loan products, or to schedule an appointment with any of our lending professionals, call us at the bank or email a member of our staff.  We’re here to help you get the financing you need.