Personal Lending


At Sumner Bank & Trust, we make getting the loan you need as easy as possible. We know the local market and have the experience to structure a loan to meet your specific needs. Our friendly team of lending officers has the experience and know-how to help make your dream become reality.


Home Equity Loan

Consider this type of loan if you have a large one-time expense, a major home renovation or repair, or medical emergency bills.
  • Fixed monthly payments
  • Receive one large lump and make monthly payments
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Home Equity Line of Credit

Borrow only the amount you need when you need it  by choosing a Home Equity Line of Credit. You’ll get a revolving line of credit for ongoing expenses that is secured by the equity in your home.
  • Access to credit by checks or teller request
  • Interest may be tax deductible*

* Consult your tax advisor for further information about the deductibility of interest and charges

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Installment Loan

An installment loan is perfect for a variety of personal purposes such as buying a new car or taking a dream vacation. Installment loans are available with flexible terms.
  • Competitive rates
  • Flexible terms and repayment options
  • Automatic payment option from your checking account
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Overdraft Line of Credit

Our Overdraft Line of Credit is great if you’re looking for a way to make managing your finances easier and eliminate some of the stress created by unanticipated expenditures.
  • Automatic payment of overdraft
  • Eliminates bounced checks and returned vendor charges
  • No bank charge (unless the service is used)

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  • Convenient online payment
  • Protects checking, savings and money market accounts

Mortgage Loan

Whether you are buying an existing or building a new home, Sumner Bank & Trust has a wide range of mortgage financing options for you.
  • Competitive fixed and adjustable rates
  • Fast local decisions and closings
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