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Personal Loans

Whether it’s extra cash to fund a well-deserved vacation, make home improvements, or purchase a vehicle, we’ve got fast answers and affordable monthly payments. We offer:

  • Car, boat, RV and SUV loans
  • Unsecured lines of credit, including overdraft protection

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Home Equity Loans and Lines of Credit

Use the equity in your home to ...

  • Make home improvements
  • Pay college tuition
  • Consolidate credit card bills
  • Buy a new car          

     Home Equity Line of Credit Promotion:  

*INTRODUCTORY RATE: Certain credit score, loan-to-value & debt-to-income restrictions apply to receive introductory (intro) rate. For each of your first twelve (12) monthly billing cycles, the annual percentage rate (APR) will be 2.99%. Beginning with your thirteenth (13th) billing cycle the Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE for all transactions and balances will be based upon your contracted rate which will be a variable rate based upon prime rate (Wall Street prime rate is 3.25% as of 3/30/2015), but will never be more than 18.00% or less than initial APR. APR is based on an auto-payment from a Peoples Trust & Savings Bank checking account. Without an auto-payment, the rate would be increased by 2%. Annual percentage rate may vary. OTHER COSTS OR FEES: Closing costs are estimated to range between $50 and $1,500 depending on loan variables and will be at the borrower’s expense. Minimum fees include a $50 initial fee and $15 annual fee. Account is subject to a 5-year draw period. Refinance fees may apply.  The minimum line of credit is $10,000. Property insurance required, including flood insurance if applicable. All loans and lines are subject to credit approval, documentation and security requirements. All terms are subject to change. Other legal requirements must be met. MONTHLY PAYMENTS: During the Draw period your minimum monthly payment will be interest plus .5-2% (PICK YOUR OWN) of the current outstanding loan balance or $50, whichever amount is greater.


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Visa® Credit Cards

Our staff can help you choose from a variety of credit card options available.

  Visa Classic
Visa Platinum
UChoose Rewards®
Visa Credit Line $500-$5,000 $1,000-$25,000 $1,000-$25,000
Annual Fee None* None* None*
Earn Reward Points No No



Earn 1 point for every $1 you spend. 

Earn more points by visiting participating retailers’ through UChoose Rewards®.  Points and promotions will vary sign up at

Combine your points by linking your PTSB UChoose Rewards® Credit Cards

Points can be redeemed for airline tickets, cash, gift cards at your favorite restaurants and stores, or hundreds of merchandise options.

Earn up to 120,000 points per year

Earn up to 10,000 points per transaction

Points expire after 5 years

Make payments online or at PTSB Yes Yes Yes
Online statement access and electronic delivery Yes Yes Yes
24-hour customer service at
Yes Yes Yes
Auto rental collision damage waiver Yes Yes No
Accepted worldwide Yes Yes Yes
Annual Percentage Rate (APR) for Purchases/Balance Transfers 12.24% to 19.99% Variable rate * 8.24% Variable rate * 12.24% Variable rate *

*Subject to credit approval.  

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Mortgage Loans

We finance primary residences, second homes, and investment properties, and can assist you with purchases, refinances, and cash-out refinances. You can pre-qualify at no cost, so you know exactly what you can afford. Turn to us for

Conventional, VHDA and FHA first mortgages, including:

  • Conventional, Jumbo and Super Jumbo Fixed Rate programs
  • Conventional, Jumbo and Super Jumbo Adjustable Rate Mortgages (ARMs)
  • Streamlined processing and reduced documentation of qualified borrowers
  • Interest-only options on selected programs

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Lot Loans and Construction Loans

For specialized, short-term financing when you’re planning to build a home.

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Bridge or Temporary Loans

Which offer a short-term financing option by allowing you to use the equity in your existing home to buy a new home without the hassle of waiting.

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First-Time Homebuyer’s Program

First-time homebuyers have different needs than those who have been through the mortgage process before. That’s why we offer a variety of loan programs and we’ll walk you through each step.

Subject to credit approval.

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