Personal Loans

Loans –Construction, Consumer, Home Equity Line of Credit and Real Estate:


Osgood State Bank offers numerous types of loans to meet all your needs. We work hard to personally service and handle your loan from start to finish. Osgood State Bank offers:


• Competitive Rates
• In-House Servicing
• Low Closing Costs
• No pre-payment penalty
• Local Decision Making




Let's create something amazing.

Whether you are building your dream home or the world's best tree house, we have construction loans that can keep up with your vision.

One-Step Construction to Permanent Financing

Building a home is fun and exciting, but financing the project can be stressful.

Most construction loans require two separate closings - the first during the building phase and a second to transition to permanent financing once the home is complete. Our one-time closing loan program is designed to provide you with peace of mind knowing your permanent financing need are already in place. 

  • Take advantage of competitive rates and protect against interest rate increases.
  • Transfer your construction loan into a fixed-rate mortgage with ease.
  • Save time and money with a one-time closing process.
  • Pay only interest during your construction period. 




We'll be your anchor.


Do you dream of sailing away from it all? A tropical escape or even a new boat could be just what you need. No matter what your goal, we have consumer loans to help you get there.
We offer various solutions for cash needed quickly:
• Secured and Unsecured Loans
• Qualification of rate reduction if auto deduct is chosen as that payment method 
• Credit Life and Disability Available to Qualified Applicants
Need to find the value of your automobile – Check out Kelly Blue Book

Home Equity Line of Credit:


Your home is an amazing asset.


It protects your family, keeps everyone together and it is a great financial resource. You can use your home equity for any purpose, including; home improvements, vehicle purchases and trips to anywhere or everywhere. Our home equity lines of credit allow you to use your home's value to your advantage. Don't build that deck next year, give us a call and start turning all your "dream home" ideas into reality. 


Osgood Home Equity Lines of Credit:
• 10-Year Term
• Interest May be Tax Deductible



A place to call home.


Osgood State Bank has been helping couples and families fulfill their dreams of owning a home for over 100 years. People know us and trust us.

Whether you are looking to purchase, remodel or just lower your rate, we have everything you need to make your dream a reality. If you can build it, we have a loan for it.
• Fixed and Variable Rate Loans
• Escrow Options Available
• Maximum Loan Terms of 30 Years

Additional Resources:


Mortgage Calculator

Refinance Breakeven

Amortizing Calculator