Loan Products


Personal/Auto Loans

Buying a car, truck, or SUV?  Want a new camper, motorcycle, or ATV?

The Waterford Commercial and Savings Bank offers a variety of loans at low rates.


Mortgage Loans

NMLS# 681658

The Waterford Commercial and Savings Bank Variable Rate Mortgages

Expect the best when you are making the largest purchasing decision of your life.  Shop around!  

  • You will find that we offer great rates AND low closing costs.  
  • Our variety of mortgages allows us to customize your loan to your needs.  
  • No matter if you are buying a home or refinancing the one you live in, we are here to serve you!

Home Equity Loans

ATTENTION HOMEOWNERS: Our Home Equity Loans provide you with a great way to get your hands on some much needed cash!

If you are a homeowner, you can use the equity in your home to create a line of credit available for you to use however you wish:  

  • Consolidate your debts.
  • Pay for tuition. 
  • Make home improvements.
  • You simply write a check for whatever you need!  

Commercial Loans

At the Waterford Commercial & Savings Bank, we know our business' are linked.  

  • We can help with term loans and lines of credit. 
  • We understand you have a personal investment in your business.  
  • We structure and price your loan based on YOUR specific situation.   
  • We look forward to establishing a working relationship with you and your company.