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Loan Products - Consumer


Home Equity Loans | Home Equity Lines of Credit | Auto Loans | Personal Lines of Credit | Overdraft Protection | Share Loans | Student Loans

Home Equity Loans

Let the valuable equity in your home work for you. We offer home equity loans to cover home improvements, education expenses, consolidation of debts, major purchases such as a new car or even that long needed vacation. With an ESB Home Equity Loan you get low, competitive rates, attractive terms, fast turn around times, and your interest may be tax deductible.

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Home Equity Lines of Credit

An ESB Home Equity Line of Credit gives you the flexibility to borrow the specific amount you need. Once your line is established, you pay nothing until you choose to borrow by simply writing a check. As your loan is repaid, your line of availability is restored. Again, the interest may be tax deductible.

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Auto Loans

Shop for the vehicle of your choice then stop in any of our conveniently located offices and apply for an ESB Bank Auto Loan. ESB Bank offers low rates and financing on new and used vehicles. Comparison shopping makes ESB Bank the choice no matter what vehicle you want to drive home.

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Personal Lines of Credit

With a Personal Line of Credit you may never have to apply for another loan. A line of credit gives you the flexibility of having funds available whenever you need them. After your loan is approved you may write checks up to your pre-approved credit limit.

Use your Personal Line of Credit to buy that "something special" you’ve been wanting, pay bills, go on a vacation, or to simply have the cash readily available in the event of an emergency.

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Overdraft Protection

Overdraft Protection can save you unneeded anxiety and embarrassment. The cost of overdrawing your account can be a thing of the past with Overdraft Protection.

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Share Loans

Why cash your ESB Certificate of Deposit prior to maturity and take a penalty? Borrow up to 90% of the face value at a very low rate by simply pledging your certificate.

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Student Loans

ESB Bank offers both of the available government-sponsored loan programs:

  • The Stafford Loan (Subsidized or Unsubsidized) for undergraduate and graduate studies.
     

  • The Parent Loan for Undergraduate Students (PLUS Loan).

Both programs follow federal and state guidelines with low interest rates and fees.

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