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Personal Loan Products

Click here to complete a Jumpstart application for a Consumer Loan

Home Equity Line of Credit

If you own your home, you will find a Home Equity Credit Line an excellent source of credit. You can use the money for improvements, college expenses, investments or any other purpose you may have in mind.

A Home Equity Credit Line is an open-ended line of credit, which means you may borrow up to your credit limit by simply writing a check. As you repay the loan you may borrow again up to the same limit and as a bonus you only pay interest on the amount you borrow, not on the entire limit of the credit line. In many cases, the interest on the Home Equity Credit Line is tax deductible. Please consult your tax advisor.

There is no penalty for early payment, and no need to come to the bank each time you need additional cash, however the minimum check amount must be for at least $100. Increments above this minimum can be for any additional amount.

Click here for more information and to apply for a Home Equity Credit Line!

Auto Loan (New and Used)

As the price of a new car has risen, the decision to buy has become a major financial transaction. Let Valley View Bank help with our fixed rate simple interest loans with terms as long as 60 months.

CD Loans

  • Borrow against your Valley View Bank certificate of deposit for any needs you may have (Excluding IRA CD’s)
  • Valley View Bank offers automatic transfers, so the loan payment can be made automatically each month from your savings or checking account.

The interest rate for loans under $10,000 will be at 3% above the CD rate. Loans over $10,000 will be at 2% above the CD rate. Please call for current rates on CD’s.

Portfolio Loans

We offer fixed and variable rate loans secured by your investments, including nationally traded stocks or bonds.

VIP Overdraft Protection

  • When a check is presented for payment that would overdraw your account, Valley View Bank transfers money in $100 increments from you credit line (up to your established credit limit) to your account to cover the check
  • A minimum payment of 1/20th of the unpaid balance or $10 will be automatically deducted from your checking account each month and applied to interest, then principal
  • You will receive a monthly statement showing all debits and credits to your account

Consumer Loan Officers


Beth Kitchen
NMLS # 764786
913-652-4819
bkitchen@valleyviewbank.com

Tammy Gardner
NMLS # 764784
913-652-4815
tgardner@valleyviewbank.com

James Hansen
NMLS # 764785
913-652-4818
jhansen@valleyviewbank.com

Member FDIC | Equal Housing Lender