Personal Banking / Loans & Credit Lines

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At County Bank we think it makes a difference to do business with people who know you. We're not like other banks — we make credit decisions locally because we’re your neighbors and we're part of your community.

If you're thinking about borrowing money, call or stop by a County Bank office today. Whether you're buying or refinancing your home, doing home improvements, buying a car or boat or thinking about consolidating your higher-interest debt, County Bank's experienced loan officers will work with you to find the loan that best suits your needs.

We offer a wide variety of loans for your ever-growing needs. Short-term or long-term, County Bank has the right loan for you. Stop in, call us or e-mail a County Bank loan officer at loans@yourcountybank.com to find out more about your options.

County Bank has earned a reputation as a customer-oriented, rate-competitive lender. Stop by any of our conveniently located branches in Deep River, Gibson, Sigourney or Williamsburg to discuss your borrowing needs with one of our experienced and dedicated loan officers.

Consumer Loans

  • Installment Loans
  • Automobile Loans
  • Recreational Loans

Real Estate Loans

  • Home Mortgage Loans
  • Construction Loans
  • Home Equity Line of Credit (HELOC)

Loans Secured by Bank Deposits

  • Loans Secured by Bank Deposits
 

Consumer Loans

  • Installment Loans
    Installment loans are a convenient and flexible solution for many of your borrowing needs. With an installment loan you work with your Loan Officer to schedule repayments over a set period of time with easy monthly payments. Proceeds can be used for a variety of reasons, including small personal loans.
  • Automobile Loans
    County Bank offers vehicle financing for new or used cars, SUVs and trucks. Our terms can be tailored to fit your budget. There's no need to deal with out-of-state lenders when County Bank can put you behind the wheel of your vehicle with an affordable loan from your community banker.
  • Recreational Loans
    County Bank can help you get more enjoyment out of life by helping you finance a new or used boat, personal watercraft, RV, camper, ATV or other recreational vehicle.

Real Estate Loans

  • Home Mortgage Loans
    County Bank is a leader in our service area as a mortgage loan originator. We currently offer a variety of loans in-house and through partners in the rate-competitive secondary market. Whether you are building a home, purchasing an existing home or refinancing your current home, we are here to make your mortgage experience easier. Contact a mortgage loan officer today at 1-877-611-2525 or on-line at mortgages@yourcountybank.com. Download and complete a Home Loan Application and disclosures, Mortgage Loan Originator Disclosure, General Release, Right to Receive a Copy of Appraisal Report.

    For more information please contact:

    Amy Halleran
    NMLS # 699814
    PO Box 207, 201 S. Jefferson St.
    Sigourney, IA 52591
    Phone: 641-224-3251
    Fax: 641-224-3295

    OR

    Shawn Echelberry
    NMLS #47612
    PO Box 207, 201 S. Jefferson St.
    Sigourney, IA 52591
    Phone: 641-954-1202
    Fax: 641-622-2893

    Janice Parcell
    NMLS #699816
    PO Box 207, 201 S. Jefferson St.
    Sigourney, IA 52591
    Phone: 641-224-3262
    Fax: 641-224-3292

    OR

    Randy Osweiler
    NMLS #1133694
    PO Box 470
    500 N. Highland St.
    Williamsburg, IA 52361
    Phone: 319-668-2888
    Fax: 319-668-2093

  • Construction Loans
    Building your own home or remodeling an existing home is an exciting time in your life but we know it can be confusing to work your way through the financing process. County Bank offers loans for lot purchase and new construction and for demolition/rebuild, remodel and rehabilitation of existing properties. If you are looking for a construction loan leading to permanent financing, County Bank’s mortgage loan officers can help you manage your project more efficiently and help make your dreams come true.
  • Home Equity Line of Credit (HELOC)
    If you are looking for credit, a HELOC might be an option. County Bank will work with you to determine if this is the best way to meet your financing needs for a home improvement project or other reason. HELOCs are lines of credit up to a designated credit limit using the equity in your home as collateral. Terms are set in advance and repayment is required according to a schedule during the life of the loan. Download a preliminary HELOC application, HELOC Booklet, disclosure to start the process.

Loans Secured by Bank Deposits

  • Loans Secured by Bank Deposits
    Sometimes you find yourself with a need for extra money that you may have tied up in a Money Market account or a CD. You may be able to meet your borrowing needs using an existing bank deposit as collateral. Contact a County Bank loan officer to see if this will work for you.