Personal Loans

From buying a home, purchasing a new car, renovating your home or wondering how to finance a college education, West Town Savings Bank offers a wide range of loan products that will help you reach your financial goals.

Mortgage Loans

We want to help you finance your dream house.  Whether that means buying your first house or the vacation property you’ve always dreamed of, West Town Savings Bank will help you choose a mortgage product that’s right for you.

Visit our Mortgage Division web site for more detailed information and to find a West Town Savings Bank Mortgage Loan Office near you.

Secured Personal Loans

Funds for home improvement, debt consolidation and other financial needs, West Town Saving Bank offers Secured Personal Loans tailored to your specific lending needs.  Secured Personal Loans are typically secured with a WTSB deposit account. 

Home Equity Line of Credit (HELOC)

A convenient line of credit that’s available when you need it and the interest may be tax deductible.*  Our Home Equity Line of Credit offers many benefits including instantly available cash from the equity in your home at attractive rates for major purchases, unexpected emergencies, a dream vacation, or whatever your family’s needs may be. 

Fixed Rate Home Equity Installment Loans (HEIL)

Offers you the stability of a fixed rate loan, for a fixed term and the interest may be tax deductible.*  Fixed Rate Home Equity Installment Loan terms may be for 5, 10, or 15 years and you will know what your fixed payment will be every month.  You will receive the proceeds of the loan up front when the loan is approved.

Auto Loans

When you’re ready for that new or used car, our auto loan programs can help put you in the driver’s seat. Our simple interest loans feature attractive rates, low monthly payments and no prepayment penalties.

West Town Savings Bank Overdraft Protection Account

WTSB Overdraft Protection is a standing line of credit that makes available to you up to $3,000.00 whenever you need it.  Your Overdraft Protection Account is linked to another WTSB account such as your checking account so you can “write your own loan” and activate your Overdraft Protection Account by writing a check from your WTSB checking account or making an ATM & Check Card transaction.


For more information about any of West Town Savings Bank’s Personal Loan Products, see your personal banker today!


Kevin Kosobucki
Consumer Lender
North Riverside, IL
(708) 447-3330


Michael Hare
Consumer Lender
Edenton, NC
(252) 482-4400

Tom Smith
Consumer Lender
Greensboro, NC
(336) 272-2922

*Consult your tax advisor regarding deductibility of interest.