Personal Loans

Home Equity Credit Line

  • Revolving line with a 15 year advance period
  • Variable interest rate
  • Option to lock two advances into a fixed rate term loan
  • Your choice of Interest only or Principal and Interest monthly payments.
  • Minimum line $5,000
  • Line secured by borrower’s primary residence, 1-4 unit, residential property.

Home Equity Term Loan

  • Borrow a specific amount of money
  • Fixed rate and term to meet your budget needs
  • Minimum loan amount $5,000
  • Loan secured by borrower’s primary residence, 1-4 unit, residential property.
  • Interest may be tax-deductible on your federal tax rates

Bridge Loan

  • Temporary loan used to meet short term financing needs where the sale of real estate collateral is the primary source of repayment.
  • Collateral must be owner occupied, 1-4 unit, residential property either listed for sale or under agreement of sale.
  • Interest only payment on outstanding principal balance for a maximum of twelve months.
  • Minimum loan amount $5,000
  • Maximum loan amount $200,000

Building Lot Loan

Lot / Land loans provide financing for the purchase or refinance of an improved/approved building lot for future construction of borrower’s primary residence.

  • Land securing the loan must be a site approved for residential development by local township/municipality.
  • Minimum loan amount $5,000
  • Maximum loan amount $150,000
  • Two repayment options available.

Personal Credit Line

  • Line is unsecured with no collateral taken.
  • Used for overdraft protection of your Bird-In-Hand checking account only.
  • Minimum line $500
  • Maximum line $2,000

Cash Secured Loans

Fixed rate installment loan where borrower’s borrow against their own funds.

  • Assignment of Bank of Bird-in-Hand Certificate of Deposit must be executed by the owner pledging CD as collateral.
  • Maximum term 120 months
  • Competitive rates


*For current loan rates, please contact one of our loan specialists today! You can reach us at 717-929-2235.