Personal Banking


If you are looking to purchase a new or used vehicle, Exchange Bank is the right choice for you. Our automobile loans offer competitive interest rates, quick answers and a relationship with an Exchange Bank Lender to assist you each and every step of the way.

You’ve worked hard to build equity in your home and can use that equity to fund your credit needs, whatever they may be, with low interest rates that are deductible come tax time*. See an Exchange Bank Lender to find out how your home equity can work for you. Exchange Bank Home Equity Loans are loans that can help you fund current projects or expenses, helping you to use your hard earned home equity to fill your current financial requirements.

*Consult your tax advisor regarding potential tax savings and deductions.

If you are just starting out and wish to purchase a new home please visit the Mortgage Section of our website to see the wide array of products that we offer to help you realize your dream of home ownership.

    We offer a full line of Mortgage Products for you to choose from:

  • Mortgage Loans and Refinancing
  • First Time Home Buyers
  • Energy Loans
  • Construction Loans
  • Home Equity Loans
  • Home Equity Line of Credit

Emergencies happen all the time. Don’t let financial emergencies leave you high and dry. Stop in and visit with an Exchange Bank Lender to discuss loan options that make sure financial molehills don’t become mountains. Exchange Bank offers competitive rates to help you manage any situation from debt consolidation to medical emergencies.

Fixed Rate Mortgage

Exchange Bank can help you with an affordable mortgage for your first home, or help you upgrade as your family grows. We have a number of options available that can suit your circumstances, and help you get into the home of your dreams quickly and affordably.

Construction Loans

If you are looking to build the home of your dreams Exchange Bank can help you achieve that dream with financing for a construction loan. Our lenders understand the complexities of a construction loan and can help you to realize maximum value for your loan dollars.

First-Time Homebuyer Loans

First-time home buyers can greatly benefit from a first-time homebuyer loan. Homebuyers can use the funds to help with down payments, closing costs, and even qualified home renovations. There are specific eligible requirements that borrowers must meet. If you would like information regarding eligibility for the First-Time Homebuyers program please contact one of our qualified Lenders today.

VA Loans

VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide access to this valuable Veteran’s Affairs program. The program provides home loan guaranty benefit and other housing-related programs to help our Veteran’s buy, build, repair, retain, or adapt a home for your own personal occupancy.

Nebraska Energy Savings Loans

Nebraska Energy Loans offer low-interest financing for home improvements that save energy dollars. Rising energy costs make this a very attractive product when you are looking to improve appliances, insulation, windows, doors, weather stripping, high efficiency heating/cooling systems, water heaters, thermostats, lighting, and other energy efficient home improvements. Exchange Bank has a team of qualified Lenders that can help you attain this low-interest offering to improve the energy systems in your home.

Home Equity Loans

With your initial down payment and your monthly mortgage payments, you’ve built up equity in your home that you can borrow against for a number of purposes-from remodeling to repairs to rejuvenating yourself with a well deserved vacation.

Home Equity Line of Credit

Similar to a home equity loan, a home equity line of credit is there to use when you need it. You are pre-approved for a specified amount – and when you find that deal you just can’t pass up or need to cover an emergency, all you do is write a check – and it is covered.

Automatic Payment Draft

Don’t worry about checks lost in the mail or forgetting to drop your payment off. We can automatically deduct your loan payment directly from you checking or savings account. Contact your Lender today to start automatic payments.

Escrow Services

Keeping track of your mortgage payment along with taxes, real estate and other fees can be a real hassle. You can rely on Exchange Bank Escrow Services to help you save and plan for your payments rather than making lump sum payments.