Loans & Credit

Consumer Loans

Consumer loans are granted to qualified customers for the purchase of a new car, home improvements or any personal need. Our qualified staff can answer any question you may have. Our consumer loans include: 

  • Auto loans 
  • Home Improvement Loans 
  • Personal line of credit 
  • Residential loans 
  • Construction loans 
  • Home Equity loans 

Visit one of our loan officers at an office near you.

Locations

 

Credit Cards

Choosing the right credit card is easier than ever. 

No matter which card you choose, you’ll enjoy important features like: 

  • EMV smart chip technology for added security 
  • Mobile purchasing capability for added convenience 
  • Plus much more! 

PAY CREDIT CARD BILL  ONLINE

 

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  • Visa® Platinum Card

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    • Pay down your other credit card balances faster with a great low introductory rate for an extended time 
    • Save on interest 
    • Non-rewards 

    Apply Now

  • Cash Rewards American Express® Card

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    • 3% Cash Back(1) on the first $6000 in eligible purchases made each year at gas stations2,4 
    • 2% cash back on eligible supermarket net purchases 
    • 1% cash back on all other eligible net purchases 
    • $25 cash back awarded after first purchase3 

    Apply Now

  • Visa® Real Rewards Card

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    • Earn 1.5 points monthly for every $1 you spend on eligible net  purchases (equal to 1.5% cash  back)5 
    • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards 
    • 2,500 bonus rewards points awarded after first purchase

    Apply Now

  • Premier Rewards American Express® Card

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    • Earn 4 points for every $1 spent on eligible net restaurant purchases6 
    • Earn 3 points for every $1 spent on eligible net airline purchases 
    • Earn 2 points for every $1 spent on eligible net gas purchases 
    • Earn 1 point for every $1 spent on all other eligible net purchases 
    • Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months3 
    • No cap or limit on the  number of points you can earn, and you have five years to redeem for rewards
    • Reimbursement for either Global Entry or TSA Pre✔®7 

    Apply Now

  • Visa® College Real Rewards Card

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    • Earn 1.5 points for every dollar you spend on eligible net purchases5 
    • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards4 
    • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings. 

    Apply Now

  • Visa® Secured Card

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    • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here’s a great way to begin that process.  
    • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.  

    Apply Now

1 Reward points can be redeemed as a cash deposit to a checking or savings account with Planters Bank or as a statement credit to your credit card account within one to two billing cycles. 

2 Cash Rewards Card: “Cash Back Rewards” are thee rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1  Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 merchant category codes: automated fuel dispensers and service stations, up to a maximum of  $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases  about $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.  

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are  not awarded for balance transfers or cash advances. One-time bonus  rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.  

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credit and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program  misuse, failure to pay, bankruptcy, or death). 

5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.  

6 Premier Reward Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each  dollar of Net Purchases charged to your Account during each billing cycle of merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional  Points (for a total  of 4 Points) for each  dollar  of Net Purchases charged to your Account during each  billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which  they are  earned.  

7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is  provided to new cardmembers upon approval.  

8 Late payments and going over the credit limit may damage your credit history. 

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.  

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