Lending

Loan Calculators | Consumer Loans | Real Estate Loans
Construction Loans | Home Equity Loans

Loan Calculators

Have you found the home of your dreams? Are you shopping for a new or used vehicle? Putting yourself or a child through college? Osgood State Bank has a personal loan product that will meet or exceed all your expectations. Our loan officers are available to serve your needs at your convenience. Below is an overview of our personal loan products. Please contact one of our loan officers to discuss these and the other products we have available.

We offer competitive rates and terms and convenient payment options, including automatic transfer from your checking or savings account.

Consumer Loans

New and Used Cars and Light Trucks
Motorcycles
Watercraft
Recreational Vehicles
Mobile Homes
Garden Tractors, Off Road Vehicles
College Education Funding
Life and Disability Insurance Available

Real Estate Loans

Osgood State Bank has been helping couples and families fulfill their dreams of owning a home for over 90 years. People know us and trust us. We offer:

Construction/Permanent Finance Loans
Building Lot Loans
Fixed Rate and Variable Rate Loans
Home Equity Lines of Credit
Home Improvement Loans
Life and Disability Insurance Available
Up to 95% financing*
Low Closing Costs
No hidden fees or charges
And best of all, you make your payments to us – Your Community Bank

Construction

Automatic Rollover to Permanent Financing Through Adjustable Rate Mortgage (ARM) Program
Free and Unlimited Draws Per Invoice Specifications
Fixed Rate During Construction Period of up to 9 Months
Monthly Payments of Interest Only During the Construction Period
Reduced Closing Costs for Refinance to Fixed Rate upon Completion of Home

Home Equity

Rate adjustable semi-annually
10-year Term
Use for Home Improvement, Bill Consolidation, Higher Education
Access line via checks, funds transfer or in person
Interest May be Tax Deductible**