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Loans

From time to time, your plans can run ahead of your finances. At Valley State Bank, we want to help you bring those plans to life. Our experienced staff will take time to understand your financial landscape and explore the possibilities with you, making sure we find the best solution for you! When you come in to meet us, you can expect to be met with service, flexibility, and prompt loan decisions.

Consolidating your debt, purchasing a new or used auto, financing your business, or building your dream home are just a few things we can help you with! You make the plan – we can make it happen!

Our first house sign with keys showing couples first adventure into buying a new home

Personal Loans

Throughout your life, there will be times when you will need some help with your finances. We will work with you to create a loan to fit your needs!

CD Secured Loans

This is just another way to make your money work for you! By securing your loan with a CD, you can get a much lower rate, therefore, saving you money!

Automobile Loans

Do you have your eye on a new or used car? We can put you behind the wheel in no time with an Auto Loan from Valley State Bank!

Mortgage Loans

The real estate market can be a dynamic and challenging environment. When you combine this with the fact that buying a new home is frequently the largest purchase many people will make in their lifetime, it can become stressful. We are here to help! With a wide variety of mortgage loan options, you are sure to find a loan that is a perfect fit for you and your family.

Home Equity Line of Credit

If you have equity in your home and need money, a Valley State Bank Home Equity Line Of Credit may be the solution for you. You can use your HELOC to pay college tuition, replace your roof or remodel your kitchen. The uses for your HELOC are endless! Top all of that off with no closing costs and you can't go wrong!

How to Apply

If you’re in the market for a loan, we encourage you to give us a call at 256-332-3600 or stop by the bank to meet with our lending team.

  • Valley State Bank
  • 15565 Hwy 43
    Russellville, AL 35653
  • Valley State Bank
  • 527 4th Ave SE
    Red Bay, AL 35582

** NOTE: All loans and lines of credit are subject to credit approval. **

You Can Count On Us!
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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