Oak Valley Community Bank
Eastern Sierra Community Bank

Consumer Loans

Finding the right loan is EASY!

Looking for a consumer or auto loan? Our local lenders will work with you to find financing that suits your needs.

Personal - Unsecured

Unsecured personal loans for planned or unplanned expenses. Terms available up to 3 years.

MOST POPULAR

Personal - CD Secured

Personal loans secured by your OVCB held deposits for planned or unplanned expenses. Terms available up to the matching term of the securing deposit. Rates typically lower than unsecured personal loans.

Ready Reserve

Ready Reserve is a line of credit designed to cover overdrafts in your account. You can access your Ready Reserve by writing a check, using your debit card, or through Online Banking.

FEATURES UNSECURED CD SECURED READY RESERVE
Loan Amounts $2,500-$5,000 $2,500 – Up to Securing CD Amount $500-$5,000
Interest Rate 15% Deposit rate + 3.50% 15%
Loan Fee $75 $75
Annual Percentage Rate (APR) 17.18%1 5.753%2 15%3
Term Up to 3 years Matches CD term Revolving

Auto Loans

New and Used Auto Loans available (Current model year, plus up to 4 years).

Contact a Branch for additional rate and term information.

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