Important Message: Beware of phishing texts claiming to be Exchange Bank with fake links. Do not click or share your information. Exchange Bank will never request sensitive information via text messages.

Young Exchange Bank customer couple with child on Dad's back outside of home in Sonoma County.

Personal Loans

Take Control of Your Finances

Name: The Engine is Red
Price range: $

What can we help you with?

Home Loans

Interested in a home loan? Apply online or contact our mortgage department or any Exchange Bank branch to request a complimentary mortgage review. Call 707.541.1490 or 800.995.4066.

Apply Now

Let's put keys into your hands

Purchase, refinance, lot financing, construction, FHA, and VA loans
Competitive interest rates on a variety of home loan options
One-on-one personal, local service with our experienced in-house loan consultants

Lower your initial payments with an interest-only mortgage.

During the interest-only payment period, only the monthly interest payment is required. Once the interest-only period ends, interest and principal payments are required. Call 707.541.1490 to speak with a loan expert.

Tap into the equity in your house to get a line of credit you can use for large or unexpected expenses. Home equity lines of credit are underwritten locally—giving you direct access to experienced local loan officers.

Access funds whenever needed—up to an approved credit limit with our personal line of credit.

Lines of credit from $5,000 – $100,000
Easy access to funds available through your checking account
Credit line is approved without collateral
Low monthly payments
No origination fee or prepayment penalties

With no collateral required, you can borrow a specific amount of money at one time and pay it back through regular monthly payments. A personal loan can help you consolidate debt, make a large purchase or cover an emergency.

Loans from $1,500 – $100,000
Fixed rate, fixed monthly payments
No collateral required

Access funds whenever needed – up to an approved credit limit with our Overdraft Line of Credit Account.

Lines of credit from $300 – $5,000
Easy access to funds available to you when you need them
Credit line is approved without collateral
No origination fee or prepayment penalties

Purchase a new or used car with a competitive fixed-rate auto loan.

Fixed-rate, term and monthly payments
Discounts for qualified customers with automatic payments
Flexible options are available based on price, down payment, and terms

Contact our Mortgage Team

Phitsa Chandara

Mortgage Loan Consultant

707.541.1489

Contact Us

Can’t come to the branch? Discuss your questions with us over the phone.

707.524.3000

800.995.4066

Kristie Clay
VP, Customer Care Manager

Mortgage and Home Equity Disclosure

Loans and Lines are subject to credit approval. Fees, conditions and restrictions may apply. Rates and programs subject to change. Contact your tax professional for advice on tax deductibility of interest.

Loan programs are subject to buyer/property qualifications. Restrictions may apply. Contact a mortgage loan consultant for more information. NMLS# 643948.

Foreclosure Prevention

Customer Resources

If you are having difficulty making your mortgage payment, one of the most important things you can do is seek assistance. Taking action now can help you protect your family from the loss of your home. The following page was created to help you find advice, information, and web links that will help you keep your home.

Exchange Bank continues to make prudent attempts to find solutions for homeowners having trouble making their mortgage payments. If you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan “workout” or modification. We determine eligibility for loan “workouts” on a case–by–case basis. Among other things, we will consider the value of your property and your ability (based on your current income) to make monthly mortgage payments in accordance with the “workout”. You may also qualify to refinance your current loan with us.

If you are interested in exploring any of the options listed above, you will need to provide us with certain financial information, including the following:

Your most recent pay stub
List of current monthly expenses
Your most recent tax return
Bank statements
A current valuation of your property such as an appraisal, if available

If you would like to discuss your options to avoiding foreclosure with us, please call us at 800.995.4066 or locally in Sonoma County, 707.524.3087.

You may also contact the Department of Housing and Urban Development (HUD) to find a HUD–certified housing counseling agency by calling 800.569.4287.

The following links provide information for agencies and organizations that may be able to help you:

Registered Mortgage Loan Originators

Registered Mortgage Loan Originators

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires employees of federally regulated lending institutions who act as a mortgage loan originators (“MLO”) to register with the Nationwide Mortgage Licensing System and Registry (“Registry”). Each Exchange Bank MLO is registered with the Registry and has a unique identification number. If you would like to confirm that the mortgage professional with whom you wish to conduct business is authorized to perform mortgage business, please find the MLO’s unique identification number on this PDF and perform a search on the NMLS consumer access site to find information regarding the MLO who is registered with the NMLS.

Home Equity Line of Credit Rates and Fees

Home Equity Line of Credit (HELOC)

Annual Percentage Rates (APRs) are effective: 12/19/2024

Rates and terms are subject to change without notice.

Commitment amount¹	Introductory APR for 6 months²	APR after introductory period²	Margin³ during draw period	Draw period	Term period following draw period	Fees⁴
$25,000 - $49,999	7.49%	11.125%	3.625%	10 years	15 years	$75.00 annual fee beginning the second year
$50,000 - $99,999	7.49%	10.125%	2.625%
$100,000 - $249,999	7.49%	9.875%	2.375%
$250,000 - $400,000	7.49%	9.625%	2.125%

¹Please contact a banker regarding commitment amounts over $400,000 up to $1,000,000.

²APRs above are for owner occupied properties (1-4 residential). The introductory APRs above reflect a discount of 0.25% and are fixed for the initial 6 months; no other discounts are available during the introductory period. After the introductory period, the APRs are variable based upon an index plus a margin. The APRs will vary with the Prime Rate (the index) as published in the Wall Street Journal. Changes to APRs for existing HELOCs take effect on the first day of the month.
APRs listed above for both the introductory period and afterwards reflect a discount of 0.25% with an automatic payment from an Exchange Bank deposit account. APR may differ based on credit history and approved line amount and other discounts. After the introductory period, an additional 0.25% discount is available for customers that have a Premier Plus Checking account and the combined average daily deposit balance is $25,000 or greater; or a relationship with Exchange Bank Trust & Investments is maintained. Funds must be verifiable at the time the loan is approved and cleared for loan documents. The Premier Plus Reward discount of 0.25% is not subject to adjustment. Refer to the Premier Plus Rewards Program Disclosure for additional terms and conditions. The maximum APR is 18.00%

³The margin is the amount added to the index to determine the interest rate. The margin does not change during the initial 120 month draw period. After the draw period ends, the margin is 1.50% for the remaining term period.

⁴Exchange Bank offers a no-up-front-loan-fee for single unit properties with loan amounts up to $400,000 when an Automated Valuation Model (AVM), a statistical appraisal, is available. An AVM must be available, and a limited title policy must be obtained. If a line increase is requested on the HELOC, Exchange Bank will offer a no-upfront-loan-fee after two years, for the line increase with a satisfactory AVM and limited title policy. For loan amounts over $400,000 or those that do not have an AVM or a limited title policy available, you may have to pay certain fees to third parties such as title companies and government agencies, servicing companies, when a sub-escrow is required to pay off an existing lender, or if vesting corrections are needed. These fees range from $0 to $9,491.60

A non-refundable annual fee of $75 will be charged to the credit line beginning the second year of the account. A balloon payment (outstanding principal owed) will result if only minimum payments are made.

Exchange Bank only offers HELOCs for properties in Northern California.

Amount available to lend: Maximum loan-to-value criteria for owner occupied properties is 80% on line amounts up to $500,000 and 70% for lines between $500,000 and $1,000,000.
Credit is subject to approval. Terms and conditions apply. This is not a commitment to lend. Products, rates, terms, and conditions are subject to change without notice. Borrower must carry property insurance and flood insurance where required by law.

Exit fee: Customers may be subject to an early closing fee of $500 to $5,000 (based on underwriting costs) if the account is closed within 35 months of the account opening date. Example: Fee of 0.75% of line amount is charged during the first year (months 0-12), fee of 0.50% of line amount is charged during the second year (months 13-24), or fee of 0.25% of line amount is charged during the third year (months 25-35). The minimum payment is interest only and will result in a balloon payment if only minimum payments are made. Non-owner occupied properties: Second homes and investment properties may be considered up to $500,000. Maximum CLTV is 70%. Rates are increased by 1% over owner occupied rates and there is a 1% loan fee. Exit fees apply -- see above.

The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax adviser for further information regarding the deductibility of interest and charges.

NMLS ID 643948

Unsecured Line of Credit Rates and Fees

Unsecured Personal Line of Credit

Annual Percentage Rates (APRs) are effective: 12/19/2024

Rates and Terms are subject to change without notice.

Line amount	APR¹	Term	Annual fee
$5,000 - $15,000	12.75%	Revolving	$50.00
$15,001 - $25,000	12.25%
$25,001 or more	11.50%

¹APRs are variable and are based upon an index plus a margin. The APRs will vary with the Prime Rate (the index) as published in the Wall Street Journal. Changes to APRs for existing unsecured personal lines of credit take effect on the first calendar day of the following month. APRs listed above reflect a discount of 0.25% with an automatic payment from an Exchange Bank deposit account. APR may differ based on credit history and approved loan amount, term, and other discounts. An additional 0.25% discount is available for customers that have a Premier Plus Checking account and the combined average daily deposit balance is $25,000 or greater; or a relationship with Exchange Bank Trust & Investments is maintained. Funds must be verifiable at the time the loan is approved and cleared for loan documents. The Premier Plus Reward discount of 0.25% is not subject to adjustment. Refer to the Premier Plus Rewards Program Disclosure for additional terms and conditions.

Fees: If loan documents have to be regenerated after the initial document preparation due to a missed or canceled appointment, an additional fee of $50.00 will be assessed and collected at loan signing.

Credit is subject to approval. Terms and conditions apply. This is not a commitment to lend. Products, rates, terms, and conditions are subject to change without notice.

The minimum payment will equal the greater of the following: $150.00 or 1.00% of the unpaid principal balance plus all accrued interest, any past due amounts, and all fees or charges.

NMLS ID 643948

Unsecured Personal Loans Rates and Fees

Annual Percentage Rates (APRs) are effective: 9/22/2023

Rates and Terms are subject to change without notice.

Amount Financed	Term up to	APR¹	Documentation fee²
$1,500 or more	12 months	23.13%	$60.00
$2,500 or more	24 months	17.23%
$3,500 or more	36 months	15.46%
$6,000 or more	48 months	14.29%
$10,000 or more	60 months	13.26%

² If loan documents have to be regenerated after the initial document preparation due to a missed or canceled appointment an additional fee of $50.00 will be assessed and collected at loan signing.

Credit is subject to approval. Terms and conditions apply. This is not a commitment to lend. Products, rates, terms, and conditions are subject to change without notice.

Typical payment example: An unsecured personal loan of $10,000 at 13.26% APR would require 60 monthly payments of $227.48.

NMLS ID 643948

Overdraft Line of Credit Rates and Fees

Overdraft Line of Credit

Overdraft Protection for Personal & Sole Proprietor Checking Products

Annual Percentage Rates (APRs) are effective: 1/22/2024

Rates and terms are subject to change without notice.

Line amount	APR	Transfer fee	Term
$300 to $5,000	18.00%	None	Revolving

Details: This is a line of credit for which you must apply and is subject to credit approval. In the event your eligible checking account becomes overdrawn as a result of an everyday debit card transaction, ATM transaction, check, Automated Clearing House (ACH) transaction, recurring debit card transaction, or any other transaction using your account number, available funds will be transferred.

Minimum Payment: The Minimum Payment will equal the greater of the following: $25.00 plus all accrued interest, any past due amounts, and all fees or charges or 3.0000% of the unpaid principal balance plus all accrued interest, any past due amounts, and all fees or charges.

Typical Payment Example: For an Overdraft Line of Credit account with a balance of $500.00, the interest rate is 18.00% and the Annual Percentage Rate is 18.00%. The monthly payment is approximately $25.00.

Eligible Accounts: Everyday Checking, Community Spirit Checking, My Cash Checking¹, Premier Plus Checking, Employee Checking, Go Green! Checking, Choice Checking, Club Checking, Signature Checking, Signature Plus Checking, Sole Proprietor Checking, Sole Prop Interest Checking.

Ineligible Accounts: All business checking and money market account products, excluding Sole Proprietor Checking and Sole Prop Interest Checking; any account with Overdraft Protection Service; and the following personal checking products: Personal Money Market or any account opened under Totten Trust (ITF).

Subject to credit approval and additional terms, conditions, and fees apply. This is not a commitment to lend. Products, rates, terms and conditions are subject to change without notice.

¹All account signers must be 18 or older.

NMLS ID 643948

Auto Loan Rates and Fees

Auto Loan Rates

Annual Percentage Rates (APRs) are effective: 1/22/2024

Rates and terms are subject to change without notice.

Example	Amount financed	Term up to	APR¹	Documentation fee²
New car³	$5,000 - $14,999	36 months	8.27%	$75
		48 months	8.02%
		60 months	7.88%
	$15,000 or more	36 months	7.58%
		48 months	7.50%
		60 months	7.45%
		72 months	7.67%
Used car⁴ (7 years old or less)	$5,000 or more	36 months	8.52%
	$5,000 or more	48 months	8.28%
	$7,500 or more	60 months	7.91%
	$15,000 or more	72 months	7.92%
Used car⁵ (8 - 12 years old)	$3,500 or more	24 months	11.91%
Used car⁵ (8 - 12 years old)	$3,500 or more	36 months	11.23%

¹APRs listed above reflect a discount of 0.25% with an automatic payment from an Exchange Bank deposit account. APR may differ based on credit history and approved loan amount, term, and other discounts. An additional 0.25% discount is available for customers that have a Premier Plus Checking account and the combined average daily deposit balance is $25,000 or greater; or a relationship with Exchange Bank Trust & Investments is maintained. Funds must be verifiable at the time the loan is approved and cleared for loan documents. The Premier Plus Reward discount of 0.25% is not subject to adjustment. Refer to the Premier Plus Rewards Program Disclosure for additional terms and conditions.

²State, title and other fees may also apply. If loan documents have to be regenerated after the initial document preparation due to a missed or canceled appointment an additional fee of $50.00 will be assessed and collected at loan signing.

³New cars are current model year (2023-2024) and must have less than 15,000 miles. New cars can be financed up to 110% of the value determined by JD Power for purchase, or up to 100% on refinances.

⁴Used cars 7 years old or less (2018-2024) with more than 15,000 miles, but less than 100,000 miles. Used cars 7 years old or less may be financed up to 110% of the value determined by JD Power for purchase, or up to 100% on refinances.

⁵Used cars 8 - 12 years old (2013-2017) with no more than 120,000 miles. Used cars up to 12 years old may be financed up to 80% of the value determined by JD Power for purchase.

Ineligible collateral: Cars with mileage exceeding the above guidelines, cars with salvage or lemon-law buyback titles, cars more than 12 years old, motorcycles, scooters/mopeds and commercial use vehicles. Cars not registered in California and/or permanently residing outside of California.

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Products, rates, terms, and conditions are subject to change without notice.

Typical payment example: A new auto loan of $15,000 at 7.58% APR would require 36 monthly payments of $464.80.

NMLS ID 643948