Folsom Lake Bank

Personal Banking




Loans

Folsom Lake Bank offers a variety of personal loans to meet your needs.

Overdraft Protection

Never pay overdraft fees again. Establish an Overdraft Protection Line with Folsom Lake Bank. Loan funds are automatically transferred to your checking account as needed.

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Credit Card

Simplify your finances with a Folsom Lake Bank Credit Card. We offer a variety of cards to fit your individual needs.

Personal Loans or Lines of Credit

Personal loans or lines of credit can provide you access to funds for a variety of purposes. Folsom Lake Bank offers both secured and unsecured versions.

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Automobile, Boat and Recreational Vehicle

We can make the purchase of your next auto, boat or RV easy with a pre-approved loan. Folsom Lake Bank offers competitive rates, flexible terms, and personal hands-on service to help you secure the appropriate loan.

Home Equity Line of Credit

If you have substantial equity in your home, a Home Equity Line of Credit provides you with easy access to loan funds now and in the future. Enjoy the convenience of writing a check from your equity line for the amount that you need. You may qualify for a Home Equity Line of Credit of $10,000 to $500,000. Interest paid on your HELOC may be tax deductible (please consult your tax advisor).

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Home Equity Loan

A Folsom Lake Bank Home Equity Loan has a fixed repayment term and a fixed interest rate. You receive your loan funds in one lump sum at loan closing. The advantage, you know the exact payment amount and loan term. Choose a Home Equity Loan to meet your specific borrowing needs such as home remodeling, building a pool or college tuition. You may qualify for a Home Equity Loan of $10,000 to $500,000. Interest paid on your Home Equity Loan may be tax deductible (please consult your tax advisor).

Residential Construction Financing

If its time to build your dream home, come to Folsom Lake Bank for flexible construction financing. Our experienced real estate lenders are dedicated to providing you with competitive terms and responsive service.

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Consumer Deposits

We have three checking plans for personal use, and all three “shine”. Stop in for details about…

Silver Checking

no monthly service charge with low minimum balance with unlimited check writing

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Gold Checking

pays interest at a lower minimum balance with unlimited check writing

Platinum Checking

pays premium interest at three tier levels with unlimited check writing

For The Best in Convenience All of our personal checking accounts can be enhanced with…

  • Internet banking with optional bill pay service
  • ATM/check card
  • Direct deposit

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Personal Savings Options

Whether you're just starting to save or need an aggressive place for serious funds, we have a choice for you!

Gold Savings

  • perfect for basic savings
  • unlimited in-person withdrawals

 

Gold Money Market

  • five interest tiers; top tier is $250,000
  • unlimited deposits and in-branch or ATM withdrawals or transfers between accounts of the same customer.

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Certificates of Deposit

  • terms from 7 days to 5 years
  • $1,000 minimum


Individual Retirements Accounts (IRA)

  • Traditional and Roth IRAs available
  • rollovers and transfers accepted at no charge

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Other Conveniences

  • Cashier’s Checks
  • Wire Transfer
  • Night Depository
  • Bank by Mail
  • Traveler’s Checks
  • Direct Deposit
  • Safe Deposit Boxes
  • Money Pass ATM Network

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