» Loans

Loans

With over 160 years of collective lending experience, the unrivaled expertise, skill and work ethic of the Grand Rapids State Bank Personal and Business Banking teams is legendary.  As a community bank, we are able to offer the same programs as other financial institutions with the added flexibility, value and service quality you deserve!

Mortgage Loans

We are your local home loan specialists. With one of the most experienced lending teams in the northland, we offer fast service, competitive rates and popular home loan options. Let us help you with:

  • Purchase loans - whether you're buying a first-home, vacation home or recreational property, our Personal Bankers can help you
  • Refinance loans - take advantage of lower rates or cash-out some of your home's equity
  • Construction loans - let us help you build your dream home
  • Long-term fixed rate financing - we have just the right product to fit your needs

Contact us or stop in and see one of our Personal Bankers for current rates & terms.

Home Equity Fixed Rate Loans

We can help you make the most of your home's equity! Use it to buy cars, take vacations, finance college and consolidate bills.

Home Equity Lines of Credit 

We understand the value of your home and offer a revolving line of credit secured by your home's equity. Once your application is approved and your credit limit has been determined, you can conveniently access your loan account. As our approved credit line customer, you decide how much and when you will borrow. Our loan approval frees your home equity resources for the things that you need and want.

Contact us or stop in and ask for one of our Personal Bankers for current rates & terms.

Consumer Loans

We make great loans for all kinds of good reasons!

We provide loans for:

  • Cars and trucks
  • RVs
  • Boats, motors and trailers
  • Recreational vehicles

We offer:

  • Fast, friendly service
  • Competitive rates
  • No minimum loan amounts
  • Automatic payments available from any account

Contact us or stop in and ask for one of our Personal Bankers for current rates & terms. 

Overline Checking

Our Overline Checking plan means financial convenience. Our plan is designed to end checking account overdraft complications and charges. If your account becomes overdrawn, the overdraft line of credit provides a pre-approved personal, unsecured loan to balance your account. With our plan, you avoid costly overdraft fees and embarrassing delays. Investigate the possibilities!

Contact us or stop in and ask for one of our Personal Bankers for current rates & terms. 

All loans are subject to application approval.