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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         

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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.

Apply online

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

Contact a Lender or Apply Online Today

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.

Contact a Lender