as: higher-than-average interest rates on saving accounts, lower interest rates on loans, and reasonable fees on services branches; competitive auto, credit card, and home equity loans; and competitive real estate loans. Our federally insured savings account is

, high yield checking accounts, credit cards, low-rate auto-loans, mortgages, home equity loans and 24/7 online and mobile banking

first time home buyer advice, as well as conventional mortgage programs, equity lines, construction loans, and FHA loan services. Our property sales and listings. With our competitive rates and experienced staff, Loan On Time is the perfect choice