Spratt Personal Loans

Planning for the future has never been more important.

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.

To Activate Your Debit Card OR To Create or Change Your PIN

Please call:


Report Lost or Stolen or Report Fraudulent or Disputed Transactions

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