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Loans

Say hello to neighborhood banking that puts you 1st.

Woodside Credit Loans and Established Home Equity & Personal Lines of Credit (HELOC & PLOC)

We will continue servicing your auto loan, personal line of credit, overdraft account, or home equity line of credit (HELOC) with no changes to your existing loan terms, including your current rate, payment amount, and remaining term.

  • Payments may be made through online banking, by phone, by check, at a local branch, through the 1st Security Bank mobile app, or by setting up automatic payments from an external bank account.
  • For HELOCs and PLOCs, payment due dates will change. Effective October 2026, your new payment due date will be the 15th of each month.
  • For auto loans and HELOCs, proof of insurance should be kept current for the life of the loan. To help ensure your records are updated, we ask that you notify your insurance carrier of our new loss payee instructions:
    1st Security Bank of WA ISAOA
    PO Box 2069, Carmel, IN 46082

Consumer Loans and Lines of Credit

Borrowing can be a helpful part of managing your financial life—whether you’re covering an unexpected expense, consolidating debt, or planning a major purchase. 1st Security Bank offers flexible lending options designed to give youaccess to funds when and how you need them. Personal loans provide a lump sum with predictable monthly payments, making them a good option for one-time expenses where you know the total cost upfront. These loans may be secured by collateral, such as a vehicle or savings account, or unsecured depending on your needs and qualifications.

Personal lines of credit offer ongoing access to funds, allowing you to borrow as needed up to an approved limit. You only pay interest on the amount you use, and as you repay the balance, those funds become available again. This makes lines of credit a flexible solution for short-term needs or situations where costs may vary.

Whether you’re planning ahead for something big or managing the unexpected, our team is here to help you explore the options and select the one that best fits your goals.

Home Equity Lending

If you own your home, the equity you’ve built may be a valuable financial resource. Our home equity products allow you to borrow against the difference between your home’s current value and what you owe on your mortgage.

Home equity lines of credit (HELOCs) provide flexible access to funds for projects like home improvements, debt consolidation, or other major expenses. You can draw from your available credit when needed, repay it over time, and access it again as your balance is paid down.

Since a HELOC loan is secured by your home, it can offer a more competitive interest rate as compared to unsecured borrowing options. Many customers appreciate the flexibility and convenience of using their home’s value to support their larger financial goals.

Home Loans

Buying a home is one of the most important financial decisions you’ll make, and having the right lending partner can make the process smoother and more manageable. 1st Security Bank offers a range of home loan options designed to support you at every stage—whether you’re purchasing, refinancing, or investing.

We offer financing for a variety of property types, including primary residences, second homes, vacation properties, and investment properties.

If you’re an existing homeowner, refinancing your mortgage may help you take advantage of fluctuating rates, adjust your loan term, or access equity to support your other financial goals. Our team can help you evaluate what makes best sense for your situation and guide you through the process.

If you are interested in potentially building longterm wealth through real estate, we also help you with financing options for investment properties and guide you on a selecting a loan structure that aligns with your financial strategy and goals.

Our home lending team works closely with you to understand your needs, explain options, and walk you through each step—from pre-qualification through closing. With a variety of loan programs, local decision-making, and a streamlined process, we aim to provide a clear and positive home financing experience.

No matter where you are in your journey—buying, refinancing, or investing—1st Security Bank is here to help you move forward with confidence.