Credit and Loans

Whether you need cash to make home improvements, purchase a vehicle, go on a vacation, or pay off high-interest credit cards, Talbot Bank has a variety of loan products with terms and rates to fit your needs.

  • Personal
  • Real Estate
  • Auto, truck, boat
  • Overdraft Protection
  • Home Equity
  • Mortgage

To assist you with your financial planning needs, use one of our many financial calculators to determine what options will best fit your budget.

Apply for a Loan

Contact one of our local branches and complete a loan application today!

Variable Home Equity Line of Credit (HELOC)

Convenience, control, and flexibility are just some of the benefits of a Talbot Bank Home Equity Line of Credit. Whether you are buying a car, building an addition, paying college tuition, or want to create a safety net for unexpected expenses, the convenience of a HELOC from Talbot Bank puts you in control of your equity.

Low Rates:

A variable rate equal to NY Prime Rate as published in the Wall Street Journal with a floor of 4.25% Annual Percentage Rate (APR). (The maximum APR is 24%)

Flexible Terms:

  • 10-year draw period with interest-only repayment during draw period (optional).  Followed by
  • 20-year repayment period with a minimum monthly payment equal to 0.42% of principal balance plus accrued interest or $100, whichever is greater.
  • Available to primary and secondary residences
  • Maximum LTV is 89.9%
Closing  Costs: Fees and charges generally associated with HELOCs total between $12 - $3,000 and are due at closing. Borrower must  maintain insurance on the property securing the credit.  Itemization of fees available upon request.  Closing costs may be advanced from initial draw.


For a complete list of Registered Home-Equity Originators (NMLS), click here.

Personal Credit Cards

Make the Talbot Bank Visa or Visa Gold credit card your constant companion. Our card is accepted worldwide yet comes with the personal, friendly service you expect from us.  Some of the great features include:

  • No Annual Fee *
  • Local Customer Service
  • Online Account Access including electronic statements at My Card Statement
  • Balance Transfer Options
  • Scorecard Bonus Points Program (Visa Gold)-earn one point for every $1 transaction and your points never expire! Points may be used for travel and merchandise purchases
  • Travel Accident Insurance
  • Travel Related Discounts
  • 90 Day Product Protection
  • Identity Theft Victim Assistance
  • Vision and Prescription Discounts

For added security for online Visa purchases register through Verified by Visa

To apply for a Talbot Bank Personal Visa or MasterCard, contact one of our local branches to complete a credit card application today!

To report a lost or stolen credit card, please call 800-423-7503 immediately.