The biggest obstacle between your reality and your plans should not be your finances. At Valley Bank and Trust we help customers finance whatever it is they need, be it their home, cars, vacations or more essential endeavors such as business investments, capital expenditures or agricultural items.

Real Estate Loans
•    Fixed rate mortgages
•    In house mortgage loans
•    Home improvement loans

In compliance with the Secure and Fair Enforcement of the Mortgage Licensing Act of 2008 (SAFE Act), a list of names and unique identification numbers of mortgage loan originators is available upon request.

Consumer Loans
Qualified applicants can receive professional assistance with financing of cars, vacations, recreational equipment, and other personal needs.

Ready Reserve loans are available to qualified applicants as a way to protect themselves from overdraft fees.

Business/Commercial Loans
Valley Bank and Trust lending officers are ready to assist you in a variety of ways. Get some sound advice regarding available borrowing options if you are considering starting a business, expanding an existing one or considering any other financial need that confronts today’s businessperson.

Agriculture Loans
Our bankers know farmers. In fact, we’re proud to count many farmers among our closest friends and customers. Of course this isn’t surprising. When you’re a family of rural banks, you understand the Ag business. It’s as important to Valley Bank and Trust’s success as it is to any crop producer, livestock producer or the Agra business.

Since we are directly tied to the Ag market, and have been for decades, we’ve learned to roll with its ups and downs. You need a steady hand and long-term vision to thrive. That’s why our experienced agricultural loan officers are able to help with all of the financial needs that arise in today’s farming operations. Be it operating, machinery, livestock, improvement loans, expansion of your operation or Ag real estate, we know what you need, why you need it and how to get the financing to acquire it all.