FDIC Insured - Backed by the full faith and credit of the U.S. Government
Oak Valley Community Bank
Eastern Sierra Community Bank

Consumer Loans

Looking for a consumer loan, auto loan, or 4-H/FFA Youth Loan?
Our local lenders will work with you to find financing that suits your needs.

Personal - Unsecured

Unsecured personal loans for planned or unplanned expenses. Terms available up to 3 years.

MOST POPULAR

Personal - CD Secured

Personal loans secured by your OVCB held deposits for planned or unplanned expenses. Terms available up to the matching term of the securing deposit. Rates typically lower than unsecured personal loans.

Ready Reserve

Ready Reserve is a line of credit designed to cover overdrafts in your account. You can access your Ready Reserve by writing a check, using your debit card, or through Online Banking.

FEATURES UNSECURED CD SECURED READY RESERVE
Loan Amounts $2,500-$5,000 $2,500 – Up to Securing CD Amount $500-$5,000
Interest Rate 15% Deposit rate + 3.50% 15%
Loan Fee $75 $75
Annual Percentage Rate (APR) 17.18%1 5.753%2 15%3
Term Up to 3 years Matches CD term Revolving

Auto Loans

New and Used Auto Loans available (Current model year, plus up to 4 years).

Contact a Branch for additional rate and term information.

APPLY NOW
A woman writing her debit card number on an application

4-H/FFA Youth Loans

Agriculture isn’t just an industry—it’s part of who we are. We take pride in our longstanding tradition of serving the agricultural community and helping it grow for generations to come.

That’s why we’re proud to offer interest-free financing for qualifying 4-H and FFA youth livestock projects.

We know raising an animal for fair takes dedication, hard work, and careful planning. Our youth livestock financing program helps make those projects more accessible by covering upfront expenses, while giving students valuable, real-world experience in financial responsibility and recordkeeping.

Drop off your completed application at a branch nearest you.
Or contact us with questions.