Consumer Loans
Let us help you achieve your dream - a new car, a boat, that big vacation, help with college. We can make it come true. Terms to make the payment affordable. In addition, our Ready Reserve loans are available on your checking account.

Commercial Loans
Your business needs capital. We can provide it. Whether purchasing a new business or adding capital to a growing one, we can be your partner; providing funding to allow you to do what you know best - run your own business. Let us finance your inventory, your receivables, your equipment, and more.

Residential Real Estate Loans
Your home is your castle. We can help you buy a new one, refinance an existing one, or fix up the one you have. Besides offering CharterWest funded loans, we can get you long-term, fixed rate loans in the secondary market at very competitive rates.

Home Equity Loans
You can use the equity in your home to finance your purchases, and the interest may be tax-deductible. Consult your tax advisor. Combine tax savings with interest rates below traditional credit card rates, and this is a great way to finance your family's needs. See our loan officers for details.

Commercial and Agricultural Real Estate Loans
We have long-term real estate loans at rates below operating loans. Use your real estate to provide stable, predictable financing for your business or farming operation. Amortization schedules designed to keep your payments affordable.

Agricultural Operating and Livestock Loans
Let us provide you with financing for your crops, your equipment, or your livestock. We specialize in agricultural lending, and we have demonstrated our commitment to helping our farm customers through good times and bad. Visit with our lending experts - we can tailor a plan to suit your needs.

Government-Guaranteed Loans
We can help you obtain guaranteed loans for your business or your farm operation. See us for more information.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.