LOAN ACCOUNTS

The Dime Bank offers a variety of loan options which can help both individuals and businesses. A Dime Bank loan affords you great flexibility when you need financial assistance. And remember, as always, individuals may pre-pay loans without penalty.
Please see a Dime Bank loan representative for current rates or for further
information on any of The Dime Bank loans.

Personal

A Dime Bank personal loan can help you in many ways. Maybe you want to purchase a new or used car, install a home computer system, take that dream vacation, build an addition onto your home or send a child to college.

Mortgages

If you're ready to buy or build your dream home, The Dime Bank is sure to have the right mortgage for you.

Business

The Dime Bank offers a variety of business loans designed to help all types of businesses from the sole proprietor to the large corporation. We can help you meet expenses that are often caused by rapid growth, the need for new and updated equipment, or a line of credit to handle your business needs. Please contact our commercial lenders at 570-253-1970

The Dime Bank is locally owned, locally managed and locally concerned. At The Dime Bank, we pride ourselves on being a member of the community. Our loan programs allow us to help our customers accomplish their goals and make their dreams a reality. We invite you to call or come in today and talk to any of our loan representatives to discuss your loan options.

Anywhere, Anytime Access

You can access your accounts 24 hours a day, 7 days a week with Dime On Line at www.thedimebank.com and Dial My Dime at 570-253-6000.

Automobile
	Vehicle Age Term Loan to Value New 2007 & Leftover 2006 72 months 90% Used 2003-2006 60 months 90% Used 1999-2002 36 months 85%

Personal Watercraft/ATV/Snowmobile/Tractor
	Condition Term Loan to Value New 60 months 90% Used 48 months 85%

RVs/Boats
	Condition Term Loan to Value New 120 months 90% Used 84 months 85%

Collateral Loans
	Collateral Term Loan to Value Rate Dime Bank Account Unlimited 100% +2% over deposit account rate for loans > $5,000 Dime Bank Account Unlimited 100% +3% over deposit account rate for loans < $4,999 Securities 60 months 70% NY Prime + 1% (adjusted annually)

All loans one year and shorter may be fixed for the loan term.

Education Loans

The Dime Bank offers up to $10,000 per student with interest rates below conventional loans with repayment terms up to ten years.

Established Community Organizations

The Dime Bank supports locally established community organizations such as churches, fire and ambulance companies, libraries, etc. with both fixed and adjustable rate mortgages to meet their needs.

Mortgages

Fixed Rate Financing

Purchase, Refinance, Construction 15, 20, 30 year terms Allows you to establish a consistent monthly principal and interest payment for ease in budget planning. First Time Home Buyer Programs 15, 20, 30 year terms Typically lower interest rates are available for the first time home buyer with up to 100% financing for qualified buyers making a home purchase more attainable. Home Equity Term Loan 5, 7, 10 year repayment terms Often a quicker, less expensive financing option that allows you to fully utilize the equity in your home.

Adjustable Rate Financing

Purchase, Refinance, Construction 15, 20, 30 year amortization Offers a lower initial monthly payment than fixed rate financing thereby allowing you greater buying power at time of purchase. Flexible rate adjustments available from 1-3 years. Home Equity Line of Credit 10 year A revolving line of credit allows you to utilize the equity in your home at any time, in any increment and for any purpose you deem necessary. Lot Loan 5 years Provides financing to purchase vacant land for future construction plans. Terms are flexible to match your financial situation.

Hybrid Financing

Bridge Loan 12 months A fixed rate, interest only loan that allows you to build or purchase a new home before selling your existing home. 10/1 ARM 15, 20, 30 year amortization Provides the lower interest rate of an adjustable rate mortgage, while locking in your payment and interest rate for the first 10 years. Rates adjust annually for the remainder of the term. Balloon / Reset 30 year amortization with a 7 year balloon A perfect solution for those individuals planning to pay off or refinance their mortgage within 7 years.

Mortgages

• Click here to start your credit application.