Personal Loans
We offer competitive rates on consumer loans including automobiles, boats, trailers, campers, motor homes, personal watercraft, motorcycles, ATVs and personal/unsecured credit.  On certain non-real estate secured loan products, you can receive a discount of .25% off your original loan rate when you use auto-pay from your Islanders Bank checking account.
Mortgage and Construction Loans
Whether you are buying your first home, refinancing, or thinking about building your dream home, we can help you find the right mortgage product for your needs.  We have been a leader in the San Juan Islands for homeownership and construction lending, including manufactured and modular homes.  We are also Affordable Housing Specialists.  In addition, we are one of the only lenders that make loans on non-ferry serviced islands.
Home Equity Loans
Home Equity Loans and Home Equity Lines of Credit allow you to borrow against the equity in your home to fund renovations, pay educational expenses or to simply pay for a long awaited trip.  A home equity loan is a one-time advance to you; a Home Equity Line of Credit is a revolving line with a pre-determined limit.  Both have different advantages depending on your needs.
Overdraft Protection (Demand Deposit Line of Credit – DDL)
At Islanders Bank you can attach a Demand Deposit Line of Credit (DDL) to any checking account.  A DDL is a line of credit where funds are advanced automatically to your checking account should your account balance fall below zero.  Advances will be made in $100 increments up to your credit limit.  You pay interest on the money only while you use it.  Your payment is deducted automatically from your checking account and additional payments can be made in person or via Islanders Bank Online Banking.
Consumer MasterCard® Credit Cards
Add flexibility and versatility to your purchasing power with an Islanders Bank MasterCard® Credit Card.  We have a variety of credit cards offering worldwide acceptance, easy online access, straight-forward terms and conditions and secured options for building or re-establishing credit.
Home Energy Improvement Loans
Islanders Bank and OPALCO have partnered to assist with making home energy improvements a reality. Click Here for more details.
Contact a Consumer Lender to discuss loan options, rates and terms.