Personal Lending ServicesPersonal Loans | Mortgage Loans | Home Equity | Student Loans | Visa Credit Cards Overdraft Line of Protection | Other Lending Tools Tioga State Bank takes pride in our lending staff and the service we provide. Whether your need is for a mortgage, home equity loan, or a personal loan, you can be assured that your loan request will receive prompt and personal attention. For consumers within our market area, Tioga State Bank accepts personal loan applications via the Internet and other loan applications via telephone or in person. Our lending experts will meet with you at your home, place of business, a Tioga State Bank office or any other location convenient for you. Our lending experts are here to help you. Call our Customer Service Center at 1-888-303-4TSB (4872) for more information.
Personal LoansTioga State Bank offers the convenience of applying for a Personal Loan using the Internet. (Contact TSB directly for real estate or commercial loans.) Tioga State Bank Personal Loans are installment loans tailored to meet your needs. You can use these loans for the purchase of cars and trucks, recreational vehicles, lawn tractors, motorcycles, boats, or for any other personal use.
Mortgage LoansBuying or building a home is one of the most important decisions you will ever make. Tioga State Bank is here to help you every step of the way. Whether you are a first time home buyer, upgrading or downsizing your home, or building a new home, Tioga State Bank is ready to help you with a fixed-rate or variable-rate mortgage, first time home buyer mortgage, construction mortgage or special interest mortgage to suit your individual needs. Private Mortgage Insurance (PMI) is required on loans for purchases and refinances when there is a downpayment of less than 20% or equity in the existing house to be refinanced of less than 20%. Fixed-Rate Mortgages Fixed-rate mortgages are preferred for people who want to budget a fixed payment each month for the term of the loan. There are a wide range of fixed rate financing options available to you. Tioga State Bank offers programs available to assist you in purchasing your home. Adjustable-Rate Mortgages Adjustable-Rate Mortgages are popular for people who expect rapidly rising income or short term ownership. Tioga State Bank offers programs that include a 1 year Adjustable Rate Mortgage (ARM) and a 5/1 ARM where your initial rate is fixed for five years. First Time Home Buyer Mortgages Tioga State Bank offers mortgage financing to anyone purchasing a home who has not owned a home within the past three years. TSB will help you from start to finish purchasing your first home. Construction Mortgages Tioga State Bank is very unique in the construction market. We have one closing for our construction mortgages which will save you closing costs. In some instances, we will allow you to be your own general contractor. And rest assured, we can help you through the whole process from beginning to end, be it from the ground up or completion of an in process construction project. Construction mortgages are available for stick-built, modular, pre-fabricated homes, log homes and manufactured homes with fixed rates. Jumbo Construction Mortgages are also available through Tioga State Bank. Jumbo Mortgages Jumbo Mortgages are designed for one-four family owner occupied real estate borrowers who are looking to borrow $400,500 to $750,000. Tioga State Bank offers unmatched flexibility with special interest financing.
Excess acreage - There is no limit to the amount of land that can be included in the appraisal value. Manufactured housing - TSB offers financing for manufactured housing, existing or newly assembled (set up), including investment manufactured housing units. Other optional financing - Financing for second homes and one-four family investment properties available. Mortgage Loan Calculator Use our convenient Mortgage Loan Calculator to estimate your monthly principal and interest payments. Home Equity LoansWe're The Solution...Home Equity Loans are available as fixed-term loans or as revolving lines of credit secured by the equity in your home. The interest on Home Equity Loans may be tax deductible because the debt is secured by your home. Consult your tax advisor. Home Equity Loans or Lines of Credit are economical ways to borrow for home improvements, to purchase a new or recreational vehicle, to pay for your vacation, education, or for any other personal use.
Student LoansTioga State Bank continues to offer our customers the availability of guaranteed student loans through our Participating Lender Referral Agreement with Wilmington Trust Company as Trustee for the Sallie Mae Education Trust. Loan applications and informational packets are available in each Tioga State Bank Community Office. For additional information, visit the SallieMae and the New York State Higher Education Services Corporation (NYSHESC) website.
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Visa Credit Cards
Enjoy low rates, a variety of exciting rewards and one stop financial servicing with a Visa credit card. Tioga State Bank offers numerous credit card options including Visa Platinum, Select Rewards Visa Platinum, Cash Rewards Visa Platinum, Visa Signature, Young Adult Visa, and College Rewards Visa through our partner, Elan Financial Services. To find out more about the credit card products available and to apply today, click here.
Existing Tioga State Bank / Elan credit card customers, access your account here.
If your Visa card is lost or stolen, notify the credit card company immediately by calling 1-800-558-3424.
Overdraft Line of Protection (Ready Credit)
Tioga State Bank Ready Credit provides protection against overdrafts on your Tioga State Bank checking account.
Other Lending Tools
Choose from over 15 financial calculators to determine your approximate monthly payment for that new car or home you want, and more...
Free Credit Reports Now Available Nationwide
According to the Federal Trade Commission, consumers will have access to one free annual credit report from each of the major credit reporting companies — Equifax, Experian and TransUnion. This completes the phased-in regional implementation — mandated by the 2003 Fair and Accurate Credit Transactions Act — that allows every consumer access to one free credit report each year.
To Order Your Free Credit Report:
- Go to www.annualcreditreport.com or call 877-322-8228 to get free credit reports from the three major credit bureaus.
- Consumers should stagger their requests to the three credit agencies to get "snapshots" of their credit profile over the course of the year. The New York Public Interest Research Group also recommends that consumers avoid pricey credit monitoring services offered by credit-reporting agencies and hold off on paying for their credit score -- which is not covered under the new federal law -- unless they are considering applying for credit in the near future.
- Once you get your credit report, check for common credit report errors, including:
- Inaccurate personal information, such as name, middle initial, generational designation, Social Security number and address.
- Accounts incorrectly listed as open, delinquent or in collections.
- Accounts that do not belong to you.
- Bankruptcies, tax liens or other judgments that do not belong to you.
Order and receive secure delivery of additional credit reports online; additional fees apply. Learn about Credit Counseling options.
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