Consumer Credit Loan Application

Open-End Credit Application - for use with the following

• Home Equity Line of Credit
• Demand Deposit Loan (Checking Plus)

• Personal
• Home Mortgage Loans

Personal

Our personal lending products and services include credit cards, checking plus (demand deposit loan account overdraft protection), personal loans and auto loans. Use our  Financial Calculators and Consumer Credit Center as supplementary tools to assist in your lending needs. Credit life and disability* can be attached to any of our personal or auto loans.

*Credit Life/Disability
  *Not a deposit
  *Not FDIC insured
  *Not insured by any federal government agency
  *Not guaranteed by the bank
  *May go down in value

• Credit Cards (print out & complete to apply)
  We offer Visa Gold, Visa Classic and MasterCard credit cards at a competitive rate. Our support includes fraud protection, 24-hour customer service, a cash-back rewards program, travel benefits, and more.
• Demand Deposit Loan (Checking Plus)
     Open-End Credit Loan Application
  This Demand Deposit Loan service, also referred to as "Checking Plus", is a revolving line of credit that is advanced into your checking account as needed to cover the presentments that are in excess of the funds in your checking account. See DDL disclosure for additional information.
• Personal Loans Consumer Credit Loan Application
  Whether you need money for a vacation or unexpected family emergency, we are there to help. We can customize a short or long term loan for you.
• Auto Loans Consumer Credit Loan Application
  We offer competitive rates and flexible repayment plans to fit your budget. The payment can easily be set up to be automatically deducted from your account each month.

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Home Mortgage Loans

Buying a new home?
Refinancing?
Apply with us anytime, Online.

Applying online gives you the flexibility to start and stop the application process. Your personal user name and password enable you to begin the process at home, pick it up at the office, and finish it up anywhere. If you get interrupted, our secure website keeps your application confidential and ready to return to the place you left off.

Use the application available online to apply for any of our home mortgage loans: tcbhomemortgage.com. An open-end credit loan application is also provided for our HELOC program.

Being a local, independently owned bank, we can identify with your special needs and give you prompt, professional service. We strive to meet the individual needs of each and every one of our customers. We offer a wide variety of mortgage programs both in-house and on the secondary market.

In-House Conventional Mortgages :

• Convenient and quick turn around
• Funding provided directly through The Tri-County Bank
• Flexible terms and payments

Secondary Market Programs

• Lowest market rates available
• Long term fixed rates

NIFA (Nebraska Investment Finance Authority) Program:

• Fixed rate mortgage product for first-time homebuyers
• Offers eligible buyers 30-year mortgages with below market rates

USDA Rural Development Loan Program

• Guaranteed loan program
• Allows homebuyers up to 100% of market value or purchase price, whichever is lower
• No down payment

Nebraska Energy Loans:

This program is offered through the Nebraska Energy Office with very low rates! Loan funds are available for energy saving improvements, such as windows, siding, appliances, etc.

Construction Draw Loans:

• Temporary financing while we find a "Good For You" permanent mortgage
• Draw funds as needed for new home construction or home improvements

Home Equity Line of Credit:

• Home improvements
• Education expenses
• Payment reductions
• YOU DECIDE.

Applying is easy. Contact one of our Lending Officers at a location that works for you! You can consolidate other debts for one convenient payment and any interest you pay may be tax deductible.* You will receive a detailed monthly statement with your Home Equity Line of Credit loan.

*Consult a tax advisor regarding the deductibility of interest.

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