Personal Loans

Stop dreaming. Start living.  Whether you're looking for your first home mortgage or making home improvements, looking to finance a new car, or ready to start a personal project, Summit Community Bank can help make those dreams a reality. Borrow with confidence knowing Summit is by your side, ready to serve you at every stage of the lending process.

  • Mortgage

    Our mortgage loan options include traditional fixed rate and adjustable rate loans. We provide a variety of mortgage products to buy or refinance your home. We also finance second homes and investment properties.

    Our home loan experts will customize a program to fit you and your situation.

    What stage best fits your needs?

    Buying your First Home.
    If you are ready to make your first big purchase, Summit is here to help.
    We offer:

    • Fixed rate and adjustable rate loans that are available for various terms.
    • A minimum down payment as little as 5%.

    I’m a repeat homebuyer. Upsizing, downsizing or moving into the home of my dreams. If you are buying a new home, we have competitive rates and terms to fit your borrowing needs, including:

    • Maximum loan amount up to 95% of the value of the primary residence.

    I am interested in refinancing my current loan.
    If you are refinancing your loan, we can help you save money and time by:

    • Streamlined processing to get your loan closed quickly.



    *Credit is Subject to Credit Approval. Some restrictions may apply. Summit Community Bank will take a security interest in the property purchased or property identified in the loan. Property insurance is required and flood insurance may be required. See your local branch for more details.

  • Consumer Loans

    At Summit Community Bank, we offer loans* tailored to your individual financial needs. It's that simple. Whether you're interested in purchasing a new car or making home improvements, our lending professionals will work with you to achieve affordable financing terms. Quick, personalized service is standard operating procedure at Summit Community Bank. You'll also receive competitive interest rates and a choice of payment plans. Call 1-877-776-9722 or visit today for all the details.


    *Credit is Subject to Credit Approval.

  • Home Equity Line of Credit

    A Home Equity Line of Credit* makes it easy for you to leverage the equity in your home to help fund personal needs.
    Contact us today about our rates!

    *Credit is Subject to Credit Approval.  See your local branch for more details. Summit Community Bank will take a security interest in the property purchased or property identified in the loan. Property insurance is required and flood insurance may be required.

  • Credit Card

    Sign up for your own personal credit card today* and start earning rewards on everyday purchases.

    Contact any local branch to learn more.

    View your Credit Card account from the Summit App or online banking!

    Take a personalized hands-on approach to managing your personal finances with this great new service built right into Summit's app and online banking!

    • Link your external accounts to the Online Banking dashboard (including your Summit Personal Credit Card)
    • Create a budget personalized to your spending
    • Easily track, label, and analyze your expenses
    • Assess net worth, view trends, and cash flow over time
    • and so much more!

    With MySummit Financial Tools you can see a complete picture of your finances, all in one place.

    Check out our video tutorial to learn how you can start planning for your financial goals, one step at a time.

    MySummit Financial Tools is available for personal accounts only. 



    You can also access your Credit Card Statement Online, click here!
    To request a copy of your cardholder agreement, please call us at 1-877-776-9722 or email us at
    To access ScoreCard Rewards account, click here!

    The Summit Community Bank Mobile Credit Card App helps you manage your money quickly and easily — anytime, anywhere. Whether checking your balance, or paying your balance, Summit Community Bank delivers a new level of speed, convenience and security.
    Download our free app today! 

     Android™  iPhone® and iPad®

     Available in the Android™ Market

    Download Android App

    Download Android App

    Click the above icon or search for
    "MySummit Credit Card"


     Available in the App StoreSM

    Download Apple App

    Download Apple App

    Click the above icon or search for
    "MySummit Credit Card"

    *Credit is Subject to Credit Approval.