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With the wide variety of products available at the Louisa Community Bank, one might ask why anyone would want to go anywhere else. We’re building trust throughout the community one family at a time. No matter what you’re in the market for, you can be rest assured that Louisa Community Bank has a product made to suit you. Just take a look at some of the consumer and business loans now available:

CONSUMER LOANS

Looking for a new or used auto, motorcycle, boat, ATV, or camper? How about some extra cash for vacation? Perhaps you need money for an unexpected emergency. We want you to think Louisa Community Bank first. With on-site loan officers, you won’t have to wait days for an answer. Give us the opportunity to earn your business. Use the money for any need including:

  • Auto
  • Motorcycle
  • Boat
  • ATV/Camper
  • Education
  • Debt consolidation
  • Luxury items
  • Vacations
  • Unsecured
  • Credit cards

REAL ESTATE LOANS

Allow Louisa Community Bank (LCB) to help you in the purchase of your new home. We offer both fixed and adjustable mortgages to suit each individuals needs. If you’re a first time home buyer or just a growing family that needs to expand, LCB has a product tailored to fit you.

  • Terms up to 30 years
  • Competitive closing costs
  • As little as 5% down
  • Local decision making
  • Quick turn around

HOME EQUITY LINE OF CREDIT

Are you one of those people that just can’t pass up a great deal? Do you hate to go through the process of getting a loan? With a HELOC you don’t have to wait. Take the equity available in your home, and when those great deals come along you’ll be ready. Speaking directly with the loan officer is just another advantage we offer here at LCB.

Call today to see if you qualify.

  • No annual fee
  • No closing costs
  • Payoff existing lines of credit
  • Interest may be tax deductible

COMMERCIAL / BUSINESS LOANS

Give us the opportunity to open your doors. We want your business. Whether you’re in need of equipment to expand or wanting to start something brand new LCB is here to assist in all your business needs. We offer a large variety of products competitively priced in both variable and fixed rates, a few of which are listed below:

  • Working Capital
  • Lines of Credit
  • Inventory Loans
  • Equipment Financing
  • Real Estate
  • Letters of Credit
  • Accounts Receivable Financing
  • Small Business Administration Loans (SBA)

CREDIT CARDS

Come in and see us to pick up an Advantage Credit Card Application or give us a call we will be glad to mail one out to you for your convenience.

Prime Advantage:

  • Visa and Mastercard
  • No Annual Fee
  • Low Variable Annual Percentage Rate
  • 25 Day Grace Period (Purchases)
  • Free Balance Transfer Option
  • Automatic Payment/WebPay Options
  • Auto Rental Insurance (Availability)
  • Fraud Protection - Zero Liability
  • $200,000 Common Carrier Insurance
  • Convenience Checks

Platinum Advantage: Featuring DreamMiles Rewards

What makes Platinum Shine?

  • DreamMiles Rewards Option
  • Free Airline Tickets & Discounts
  • Quality Merchandise
  • Free Cruises
  • Hotel & Resort Discounts
  • Shopping Awards
  • Dining & Entertainment Awards
  • No Annual Fee Option
  • Free Balance Transfer Option
  • Automatic Payment/WebPay Options
  • Auto Rental Insurance
  • Fraud Protection - Zero Liability
  • $500,000 Common Carrier Insurance

Business Advantage:

  • Visa and Mastercard
  • Revolving Balance Option
  • Low Variable Annual Percentage Rate
  • Automatic Payment/WebPay Options
  • Visa Business Card
  • Earn Visa Extras reward
  • MasterCard Business Card
  • Interest-Free Grace Period
  • Minimal Annual Fees
  • Payment Options (Consolidated/Individual Pay)
  • Individual Cards and Spending Limits
  • Auto Rental Insurance