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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

Apply online

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

Apply online                                 

Visa® Credit Cards

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

  Visa Classic Visa Platinum Reward Card
Visa Credit Line Up to $5,000 Up to $25,000 Up to $25,000
Annual Fee None* None* $50**
Earn Reward Points No No


Earn 1 point for every $1 you spend. Points can be redeemed for airline tickets, cash or hundreds of merchandise options. Or, use for gift cards to some of your favorite restaurants and stores. Click “Browse Only” to view rewards.

Make payments online or at PTSB Yes Yes Yes
Online statement access and electronic delivery Yes Yes Yes
24-hour customer service at 866-341-5195 Yes Yes Yes
Auto rental collision damage waiver Yes Yes No
Accepted worldwide (more than 29 million locations) Yes Yes Yes
Annual Percentage Rate (APR) for Purchases/Balance Transfers 8.24% to 19.99% Variable rate * 8.24% to 19.99% Variable rate * 12.24% to 19.99% 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

Lot Loans and Construction Loans

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

Contact a Lender

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