Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A Spencer County Bank Loan Officer will follow up to answer your questions.
Apply Now

Our goal is provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 812-937-4433 or 888-595-BANK (2265).

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    Rate Watch

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  • Home Equity

    Home Equity

    Should I consider consolidating my debt with a home equity loan?

  • Calculators


    Unsure of which way to go? Try our mortgage calculators to help you make a decision.

Contact Us

812-937-4433 or 888-595-BANK (2265)

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Today's Rates

Mortgage Loans
30 Year Fixed Rate
 Rate  APR  Points
 4.750%  4.827%  0.000%
5/5 Year Adjustable Rate
 Rate  APR  Points
 4.250%  4.953%  0.000%
Home Equity
Home Equity Line of Credit
 Rate  APR  Points
 5.500%  5.500%  0.000%
Home Equity - Fixed Rate 7 Year Term
 Rate  APR  Points
 5.500%  6.042%  0.000%
Construction Loans
Construction Loan
 Rate  APR  Points
 5.500%  8.020%  0.000%

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