Consumer Credit

The Neffs National Bank has a variety of consumer lending options to help you meet your financial goals.

Residential Mortgage Loan

Buy, build, or refinance your home stress free and affordably. 

  • Low fees

  • Specializing in One Close Construction to Permanent Loans

  • Build equity faster and payoff your loan sooner with our Bi-Weekly Mortgage

  • Low cost refinance options

  • Free Mortgage Pre-Qualification

  • Buy Here, Pay Here - All mortgage loans remain at The Neffs National Bank

  • Jumbo mortgage loans available

Check out our Residential Mortgage Loan Rates

Home Equity Line of Credit

The last home equity loan you will ever need!

  • Quick, easy turnaround

  • Variable interest rates with optional lock-in feature

  • 15-year draw and repayment period

  • Ask about our Home Equity Line of Credit special 

Check out our Home Equity Line of Credit Rates 

Home Equity Loan

Use the equity available in your home to complete that project, consolidate debt or for those unexpected expenses. 

  • Quick, easy turnaround

  • Fixed rate and term

  • Lending power based on the equity available in your home


Check out our Home Equity Loan Rates

Automobile Loan

Whether you are buying a new or used car, or just refinancing an existing auto loan, we can get you on the road!

  • Quick, easy turnaround

  • Flexible terms available

  • Competitive rates

Check out our Automobile Loan Rates 

Personal Loan / Personal Line of Credit

Funds for whatever you may need!

  • Quick, easy turnaround

  • Fixed and variable rate options

  • Secured and unsecured options

Check out our Personal Loan and Line of Credit Rates

Loan Originators

Kevin A. Schmidt


Lender Number: 738071

Pearl A. Sheckler


Lender Number: 766498

Ronald K. Miller


Lender Number: 738068

Mark R. Stewart


Lender Number: 1320432

Nicole M. Sajda

Lender Number: 844931