Online Banking

Personal Loans

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Ramsey National Bank is able to provide financing to meet all of your borrowing needs. We offer loan products that include the following:

Ready Reserve Line of Credit

Ready Reserve Line of Credit

You can avoid overdrafts on any of the above accounts, other than a Money Market, by joining the account with a Ready Reserve Line of Credit. Funds are automatically transferred to the checking account from the Ready Reserve Line of Credit to cover checks when there are insufficient funds in the checking account. Ready Reserve Lines of credit are available from $100 to $7,000 to qualified individuals. There is not an annual fee for the Ready Reserve Line of Credit and interest is paid on the outstanding balance. Advances are made in increments of $100 with a $2 fee assessed per advance.

Consumer Loans

Consumer Loans

We offer all types of consumer loans to meet your borrowing needs. Obtain a reduction in the interest rate when you choose the automatic payment option from your deposit account with the Bank.

Unsecured (Signature) Loans - This type of loan is made to qualified individuals for many purposes. 

Automobile Loans - Finance the purchase of a new or used vehicle. We offer attractive interest rates and flexible repayment terms.

Recreational Vehicles - Purchase a snowmobile, camper, motorcycle, ATV or boat with flexible terms and interest rates.

Savings/CD Loans - Use your savings account or certificate of deposit as collateral for a loan. Repayment schedules on this type of loan are very flexible. Interest rates are determined by the rate you earn on your deposit instrument.

Ready Reserve - You can avoid overdrafts on your checking account with a Ready Reserve line of credit. Funds are automatically transferred to your account to cover checks when there are insufficient funds in that account. Lines are available from $100 to $7,000 to qualified individuals. There is no annual fee for this line of credit and interest is paid only on the outstanding balance on the line of credit. Advances are made in increments of $100. with a $2. fee assessed per advance. For example, a $30. shortfall would result in a $100. advance plus a $2. fee.

Ramsey Line - Have an easy access, unsecured line of credit at your disposal. The line of credit has a three year commitment available for $5,000 to $50,000 to be used at your discretion. To access the line-- write a check. Repayment is based on the outstanding balance. The Ramsey Line features an attractive interest rate and no annual fee.
 

To access our online Loan Applications please click here.

Mortgage Loans

Mortgage Loans

Home Purchase Loans - In-house Loans and Secondary Market Mortgage loans are available.

Refinance Loans - Refinance your existing mortgage loan at a lower interest rate.

Home Equity Loans - Use the equity in your home to make home improvements, purchase a vehicle, pay college tuition or almost any other purchase.

Home Equity Line of Credit - We offer fixed and variable rate lines of credit.

New Home Construction Loans - We can help you build your dream home. We offer a line of credit which is accessed when you need it during the construction of your home.
 

To access our online Loan Applications please click here.