Loan Services

Agriculture Loans

With agriculture being the leading industry in our local communities, we pride ourselves with our focus on the industry. Agricultural loans are available for the purpose of crop, livestock, machinery, and capital improvements for farmers in our area. We offer lines of credit, equipment notes, and farmland real estate loans. Whether you have a well-established farm or are ready to improve or expand, we can structure a loan to fit your operation at competitive rates and terms.

Commercial Loans

Local businesses within the community are what keeps small town America unique. Commercial loans are available to help with the financing of existing businesses, expansion, inventory, and new businesses. Whether you need to purchase a storefront or have a line of credit for inventory, our Commercial Lenders will develop a loan structure to fit your unique business situation. We are here to help your business succeed.

Mortgage/Home Equity Loans

Whether you’re a first time home buyer or an experienced homeowner, let the Bank of Gibson City help your dreams come true. For current homeowners, a Home Equity Loan allows you to put the equity in your primary residence to use. We offer:

• Conventional Financing: Minimum 5% down payment
• USDA Rural Development Financing: 100% financing for eligible rural areas
• FHA Financing: Minimum 3.50% down payment
• VA Financing: Up to 100% financing for eligible veterans

Visit any one of our Loan Officers for more details concerning Bank of Gibson City’s loan services and rates.