Consumer Loans

personal loans

New and Used Automobile and Recreational Vehicle Loans

We offer a full array of competitive terms combined with our exceptional local service. Please call, email or stop in to talk to a loan officer to determine the rate of interest. Rates vary based on the term of the loan and your credit score.

We have working relationships with many local dealerships. Stop in, get pre-approved, negotiate your best deal, or simply ask the dealership to finance your loan through Spring Valley City Bank. You can sign the papers right at the dealership! By getting pre-approved and having your payments directly taken from your Spring Valley City Bank checking or savings account, you can reduce your interest rate even more!

Home Loans

As one of the area’s most prominent mortgage lenders, we offer a wide range of loan products tailored to fit your personal situation. Whether you are buying a home, refinancing or want to remodel, we have the solution for you. We invite you to talk to one of our loan officers to discuss your home financing needs. Stop in, call us, or e-mail us and one of our mortgage specialists will be happy to meet with you.

Spring Valley City Bank is an Equal Housing Lender.

Home Equity Line of Credit (HELOC)

This loan solution provides the versatility that every homeowner needs. Need funds for a home project or college tuition or that dream vacation? This product provides you the customer with the flexibility to use the equity you have built in your home to fund the things that come up. Stop in, call or email one of our lenders with the specifics regarding this very popular product.

Spring Valley City Bank NMLS #472574

Credit Cards

Show your Community Pride! VISA credit cards issued by Spring Valley City Bank offer a competitive interest rate and no annual fees. Whether it’s for personal of business uses, our credit card is an excellent option that gives back to the community. This is our credit card program, which means we administer it and the approval decisions are made locally. Payments can be made directly at our bank, and we can handle all questions you have right here. In addition, Hall High School benefits every time you use your card because it receives a portion of every amount charged on each card.

Applications may be completed in person or by mail. Please call or e-mail us (through the Contact Us page of this website) to send you an application.

After Hours Loss/Theft Notification Number for Debit/ATM Cards: 800-236-2442

After Hours Loss/Theft Notification Number for Credit Cards: 800-876-9119



Do Business With Your Friends and Neighbors……

Spring Valley City Bank!