Loans at North Country Savings Bank

Whether you're looking to buy or refinance a home, purchase a new vehicle, or need a personal loan and are perhaps worried about your credit, North Country Savings Bank makes borrowing money easy. Our low rates, personalized services and large selection of financial solutions are unmatched across St. Lawrence County. Stop by one of North Country Savings Bank's locations to discuss your situation with a Personal Banker who can find the right financial solution for you.


Taking out a mortgage loan can be a daunting process. Luckily, North Country Savings Bank is here to help. Our experienced Loan Originators are dedicated to understanding your financial history and giving your application the personalized attention it deserves. You won't find that kind of service at any of the big banks. Apply for a mortgage online today!

  • Your application and financial history are given individualized attention
  • Rates are determined by more than your credit score
  • No origination or pre-qualification fees
  • Your mortgage dollars are reinvested in the community

Construction and Home Improvement Loans

Whether you hire a contractor or plan to build your new home with your own two hands, a construction loan from North Country Savings Bank can help your dream home become a reality.

  • Borrow up to 80% of the project's total cost (including the property and improvements) OR the resale market value of the completed
  • Pay only one closing fee
  • A dedicated Loan Originator to help walk you through the process to ensure your project runs smoothly from beginning to end
  • Purchase Plus Improvement loans available for renovations on newly purchased homes

Mortgage Refinancing

Refinaincing your home can lower your monthly payment and the overall cost of your home. Refinancing is also an alternative to home equity loans and allows you to use cash value from your home however you need it. Standard mortgage rates apply for mortgage refinancing loans. 

Home Equity

Confused about the difference between a home equity loan and a home equity line of credit? We can help you understand all your options and choose which is right for you.  

  • Borrow up to 80% of your home's equity
  • Competitive rates and terms
  • Interest paid may be tax deductible
  • No application fees

Auto Loans

North Country Savings Bank wants to help you drive in style, whether it's a new truck, used car or a recreational vehicle to travel with your family. Our auto loans offer competitive rates you won't find anywhere else in the North Country. Contact us or apply for a loan online before you start car shopping to find out how much you qualify to borrow.

  • Low rates on new and used vehicles
  • Easy management and online payment with EagleNET Online Banking
  • Flexible loan options you won't find at a dealer
  • No application fees

Personal Loans

Don't wait to take a well-deserved vacation, have your dream wedding or make that big purchase you've needed for months. North Country Savings Bank can help you access the money you need now with a customized personal loan. And with our online personal loan application, you can apply in just a few minutes!

  • Flexible terms and payment schedules
  • Borrow only what you need
  • Easy payment management with EagleNET Online Banking