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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

  • Motorcycles
  • New and Used Cars and Light Trucks
  • 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


  • Free and Unlimited Draws Per Invoice Specifications
  • Fixed Rate During Construction Period of up to 12 Months
  • Monthly Payments of Interest Only During the Construction Period

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**
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