Multi-generational family in the kitchen baking.
Personal

Personal Loans

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Multi-generational family in the kitchen baking.
Personal

Personal Loans

Prepare for Life’s Big Moments

You can be faced with life's expected and unexpected moments. Prepare for the expected ... family vacations, weddings, purchasing a new vehicle ... and the unexpected with with a personal loan solution from South Story Bank & Trust. Life doesn’t have to put a strain on your finances.

Installment Loans

We offer competitive rates and flexible terms for the loan you need, including:

  • Purchasing a new vehicle
  • Paying for a vacation
  • Consolidating your bills
  • And much more!
Personal Financial Statement

Home Equity Loans & Lines of Credit

Put your home’s equity to work for you. South Story Bank & Trust offers Home Equity Loans and Home Equity Lines of Credit (HELOCs) that allow you to use your home’s equity to your advantage.

Home Equity Loans

Borrow up to 90% of the appraised equity of your home and pay it back with a fixed payment over a fixed term. HELOCs: Borrow up to 89.9% of your home’s appraised value and draw on this revolving, open-ended line of credit as you need it. HELOCs are ideal for times when you have low cash flow.

Student Loans

We work with ISL Education Lending to offer private loans to help you pay for college, as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers: Loans for college students.

A loan option for parents and family members who wish to borrow on behalf of a college student.

Multiple student loan refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid over borrowing and plan smart for life during and after college.

Learn more about ISL Education Lending's offerings on their website.

Please note:

All loans offered by ISL Education Lending are subject to credit approval. Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*South Story Bank is compensated by ISL Education Lending for the referral of student loan customers.

Review Our Personal Loan Solutions. To discuss your lending needs, call, email or visit any of our convenient locations to speak with a Personal Banker.

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Classic SavingsMoney MarketPremium Money Market
Ideal If You...
Want to start saving for tomorrow.
Want to earn interest with unlimited transactions
Seek to invest higher net worth assets in an interest-earning, lower-risk account.
Minimum Balance to Open
$100
$100
$100
Minimum Balance required to avoid monthly service charges.
$5002
$5,0001
$100,0003
Earns Interest
Earns Interest
Earns Tiered Interest
$5,000 - $24,999.99
$25,000 - $99,999.99
$100,000 & Above
Earns Tiered Interest
< $1,000,000 > $1,000,000
Benefits
No fee ATMs4 Free Online Banking, Mobile Banking
Free Online Banking, No fee ATMs4, Mobile Banking, Bill Pay & Zelle®
Free Online Banking, No fee ATMs4, Mobile Banking, Bill Pay & Zelle®
Electronic Statements
Free
Free (Paper statements are available - $5 per month)
Free (Paper statements are available - $5 per month)
Service charge if min. balance requirements are not met.
$5
$10
$25
ATM/Debit Card Annual Fee
$15 (ATM Card Only)
NA
NA
Classic Checking (Free if Under 21 or Over 62)Interest Checking (Free For Veterans)Elite Checking
Ideal If You...
Appreciate the simplicity of a basic checking account.
Want to earn interest with unlimited transactions
Enjoy the very best benefits, including interest, a free box of checks and .25 loyalty rate bump on CD rates.
Minimum Balance to Open
$100
$100
$100
Minimum Balance required to avoid monthly service charges.
$5002
$2,5002
$10,0002
Earns Interest
Simple checking account that does not earn interest.
Earns Tiered Interest
$2,500 - $4,999.99
$5,000 - $49,999.99
$50,000 & Above
Earns Tiered Interest
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 & Above
Benefits
No fee ATMs5
Free Online Banking, Mobile Banking, Bill Pay & Zelle®.
No fee ATMs5
Free Online Banking, Mobile Banking, Bill Pay & Zelle®.
1 Free Box of Checks Per Year, Free Stop Payments, Loyalty Rate Bump on CDs over $25,0001, No Fee ATMs5, Free Online Banking, Mobile Banking, Bill Pay & Zelle®.
Electronic Statements
Free (Paper, statements - $5 per month)
Free (Paper, statements - $5 per month)
Free (Paper, statements - $5 per month)
Service charge if min. balance requirements are not met.
$5
$10
$15
ATM/Debit Card Annual Fee
$15
$15
No Annual Fee
Classic Checking
Interest Checking*
Elite Checking*
Which Account is Right for me?
For those who appreciate simplicity.

Free if under 21 or over 62
If earning interest with unlimited transactions is your goal, this account is right for you.

FREE for Veterans
The very best benefits including interest on this account, a free box of checks, and premium priced CDs.
Average Statement Balance Required (1)
$500
$2500
$10,000
Monthly Fee If Balance Falls Below
$5
$10
$15
Interest Earned
No
Yes - Tiered*
Yes - Tiered**
Electronic Statements
FREE or paper statement available for $5 per month
FREE or paper statement available for $5 per month
Available for $5 per monthFREE or paper statement available for $5 per month
ATM/Debit Card Annual Fee
$15
$15
No Annual Fee
Online Banking, Bill Pay, Mobile Deposit, Zelle*, and Mobile Banking*
FREE
FREE
FREE
Ideal If You...
Appreciate the simplicity of a basic checking account.

Free if under 21 or over 62
Want to earn interest with unlimited transactions.

FREE for Veterans
Enjoy the very best benefits, including interest, a free box of checks and .25 loyalty rate bump on CD rates.1
Minimum Balance to Open
$100
$100
$100
Minimum Balance required to avoid monthly service charges.
$5002
$2,5002
$10,0002
Earns Interest
Simple checking account that does not earn interest.
Earns Tiered Interest
$2,500 -$4,999.99
$5,000 - $49,999.99
$50,000 & Above
Earns Tiered Interest
$10,000 -$49,999.99
$50,000 - $99,999.99
$100,000 & Above
Benefits
No Fee ATMs5
Free Online Banking, Mobile Banking, Bill Pay & Zelle®
No Fee ATMs5
Free Online Banking, Mobile Banking, Bill Pay & Zelle®
1 Free Box of Checks Per Year, Free Stop Payments, Loyalty Rate Bump on CDs over $25,000, No Fee ATMs5 , Free Online Banking, Mobile Banking, Bill Pay & Zelle®.
Electronic Statements
Free (Paper statements are available - $5 per month)
Free (Paper statements are available - $5 per month)
Free (Paper statements are available - $5 per month)
Service charge if min. balance requirements are not met.
$5
$10
$15
ATM/Debit Card Annual Fee
$15
$15
No Annual Fee
Which Account is Right For Me
Personal savings is perfect for customers who want to start saving today for tomorrow.

FREE if under 21
A personal money market account allows you to earn interest at a tiered rate.
Average Statement Balance Required(1)
$500
$5,000
Monthly Balance if Balance Falls Below
$5
$10
Interest Earned
Yes
Yes - Tiered*
Electronic Statements
FREE or paper statement available for $5 per month
FREE or paper statement available for $5 per month
ATM/Debit Card Annual Fee
$15 (ATM card only)
N/A
Online Banking, Bill Pay, Mobile Deposit, Zelle, and Mobile Banking*
FREE
FREE
Classic Savings
Money Market**
Which Account is Right for me?
Personal savings is perfect for customers who want to start saving today for tomorrow.

FREE if under 21
A personal money market account allows you to earn interest at a tiered rate.
Average Statement Balance Required (1)
$500
$5,000
Monthly Fee If Balance Falls Below
$5
$10
Interest Earned
Yes
Yes - Tiered*
Electronic Statements
FREE or paper statement available for $5 per month
FREE or paper statement available for $5 per month
ATM/Debit Card Annual Fee
$15 (ATM card only)
N/A
Online Banking, Bill Pay, Mobile Deposit, Zelle*, and Mobile Banking*
FREE
FREE
Ideal If You...
Want to start saving for tomorrow.
Are looking for a long-term savings account that allows you to earn interest.
Seek to invest higher net worth assets in an interest-earning, lower-risk account.
Minimum Balance to Open
$100
$100
$100
Minimum Balance required to avoid monthly service charges.
$5002
$5,0002
$100,0004
Earns Interest
Earns Interest
Earns Tiered Interest
$5,000 -$24,999.99
$25,000 - $99,999.99
$100,000 & Above
Earns Tiered Interest
< $1,000,000
> $1,000,000
Benefits
No Fee ATMs5
Free Online Banking, Mobile Banking
Free Online Banking, Mobile Banking, Bill Pay & Zelle®
Free Online Banking, Mobile Banking, Bill Pay & Zelle®
Electronic Statements
Free
Free (Paper statements are available - $5 per month)
Free (Paper statements are available - $5 per month)
Service charge if min. balance requirements are not met.
$5
$10
$25
ATM/Debit Card Annual Fee
$15 (ATM Card Only)
NA
NA

1 Loyalty bump does not apply to CD promotional specials.

2 Average Daily Balance

3 Average Available Balance

4 Minimum Balance

5 You have free access to the nationwide network of Shazam® Privileged Status ATMs.

1 Average Daily Balance

2 Average Available Balance

3 Minimum Balance

4 You have free access to the nationwide network of Shazam® Privileged Status ATMs.