Spratt Personal Loans

We welcome the opportunity to meet your borrowing needs. Let us put our 100+ years of lending experience to work for you!

Fixed and variable rate options for the purchase, refinance or lease buyout of vehicles, boats, RVs or campers, whatever the need may be, our personal loans offer competitive rates with flexible terms.

Look to us for assistance in financing home improvements or lot/land purchases.

Popular loan products including Home Equity Loans and Home Equity Lines of Credit are offered at very competitive rates and accommodating terms. Frequently options are offered where we provide assistance with some of the closing costs that may be incurred. Contact us to learn more about our special offers! Borrowers may also pledge savings accounts or certificates of deposit or marketable securities among other options to secure loans.

SOS, that’s Spratt’s Overdraft Security, is an overdraft protection product that is linked to your checking account to help prevent overdrafts. We have chosen to eliminate the “access fee” that most banks charge (usually $5 to$10) should you activate an advance. Our SOS product has been designed to offer our customers the most economical overdraft product in the market.

Lost or Stolen Card

Should you discover that your Spratt Savings Bank Debit Card has been lost or stolen, please call the following number immediately:


» NOTICE: The Federal Regulation that limits the number of third party transactions allowed per month on our Money Market Demand Account (MMDA) and our Preferred Investment Account has changed. Third party transactions are defined as those you do not conduct at the bank or at an ATM. Third party transactions include checks, electronic debits, drafts, debit card purchases, phone transfers to other accounts and online and phone banking transfers to other accounts. The regulation limited these to six, of which no more than three could be by check. The limit is still six, but now, all can be by check.

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs). It does not include other accounts, such as traditional checking, or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov

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