Personal Loans

Come Say Hi and Connect About Personal Loans

The best way to figure out the RIGHT loan or financing program for you is to stop in and talk with us. We'll help you wade through all of your options and get you into a program that's got great rates, flexible terms and is tailored to your needs. Our experienced lenders are available at all of our branches and we look forward to learning more about you.

Apply Online Now!

FSWB Bird Icon Consumer Lending Products & Services


What We Offer

  • Personal Fixed-Rate Loans
  • Overdraft Protection for Checking Accounts
  • Automobile Loans – New and Pre-Owned
  • RV, Boat, Motorcycle, and Land Loans
  • Home Equity Loans and Lines*

A Home Equity Loan or Line of Credit can be used for almost any major expense, including:

  • Home improvement
  • Education expenses
  • Debt consolidation
  • Vacations
  • Vehicle purchases
  • Weddings, and more
The interest on your home equity loan or line of credit may even be tax deductible. Speak with your tax advisor for more information.

*To apply for a Home Equity Loan or Line of Credit, please stop by or call the branch location most convenient for you.

Credit Cards - Earn Rewards
Our Consumer Credit Card Program is offered through UMB and features:

  • Competitive variable APR (annual percentage rate) for purchases, balance transfers, and cash advances
  • Introductory offer of 0% APR for the first 12 billing cycles for balances transferred within 60 days from account opening
  • Balance transfer fee is three percent (3%) of the amount of the balance transferred, with a $15 minimum and no maximum
  • Rewards program
  • Earn one (1) point per dollar spent on qualifying purchases
  • Redeem points for merchandise, travel, sporting events, concerts, gift cards, or account credit, and even donate your points to charity
  • No annual fee
  • Visa’s Zero Liability fraud protection


To help the US Government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.‚Äč