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Loan Products


Personal/Auto Loans

Buying a car, truck, or SUV?  Want a new camper, motorcycle, or ATV?

The Waterford Commercial and Savings Bank offers a variety of loans at low rates.


Mortgage Loans

NMLS# 681658

The Waterford Commercial and Savings Bank Variable Rate Mortgages

Expect the best when you are making the largest purchasing decision of your life.  Shop around!

  • You will find that we offer great rates AND low closing costs.
  • Our variety of mortgages allows us to customize your loan to your needs.
  • No matter if you are buying a home or refinancing the one you live in, we are here to serve you!

Home Equity Loans

ATTENTION HOMEOWNERS: Our Home Equity Loans provide you with a great way to get your hands on some much-needed cash!

If you are a homeowner, you can use the equity in your home to create a line of credit available for you to use however you wish:

  • Consolidate your debts.
  • Pay for tuition.
  • Make home improvements.
  • You simply write a check for whatever you need!

Commercial Loans

At the Waterford Commercial & Savings Bank, we know our business’ are linked.

  • We can help with term loans and lines of credit.
  • We understand you have a personal investment in your business.
  • We structure and price your loan based on YOUR specific situation.

We look forward to establishing a working relationship with you and your company.

Click Here to learn more about our VISA® Credit Cards

Student Loans

Why Choose College Ave Student Loans? Different And Better. A Winning Combo.

Whether you’re a parent, student or graduate looking for a loan, College Ave can help. Their private student loans double-major in support and simplicity to make it as painless as possible for you. Put the useful tools, faster application, and flexible loan options to the test.

Student Loans for College

Find a loan to cover undergraduate or graduate studies that fits your family best.

Click here to get started!


Refinance Your Student Loans

Refinance existing student loans to lower your monthly payment, interest rate, or maybe even both.

Click here to get started!