Loans

Founded in 1905, Peoples Security Bank and Trust can be the strong financial partner you need for success. We will work hard to understand your unique needs and recommend solutions that will help you achieve your short and long term goals.

Local decision making, competitive interest rates, and convenient repayment options are just a few features that are characteristic of community banking.

Please call or stop by one of our branch offices for rates and additional information on Peoples Security Bank and Trust Loans.

Local people making local decisions

Personal Loans

We offer an array of loans including: auto, boat, recreational vehicle, education and vacation to meet all your personal needs. Applying for a personal loan with PSBT is easier than ever. Just download, print, then drop off this application along with your last two (2) payroll stubs to your local branch office. Apply Today!

Real Estate & Construction Mortgages

With a real estate mortgage from PSBT, you can purchase residential or commercial real estate, fund a construction project, or refinance a present loan. We also offer land-only loans and mobile home financing.

Commercial Loans

We offer various loan products to meet your needs including: New Business Financing, Equipment Purchase, Working Capital Lines of Credit, and Letters of Credit.

Small Business Loans and Guarantees

Peoples Security Bank and Trust works with a number of Government Agencies including the Small Business Administration (SBA), New York Business Development Corporation (NYBDC), Farmer's Service Agency (FSA), and the United States Department of Agriculture (USDA) to help provide the funding you need.


* ALL LOANS ARE SUBJECT TO CREDIT APPROVAL

** IMPORTANT NOTICE REGARDING LOAN PAYMENT PROCESSING: Our policy is to give you credit for your loan payments on the date we receive them if they are received before our branches close each day, Monday - Friday.

If you do not have your payment coupon or if you drop off your payment in the night vault after the branch has opened for the day, we will consider your payment as "non-conforming." Non-conforming payments will be posted as soon as we are able to identify the loan to which the payment applies (for payments without coupons) or on our next business day or no later than within five business days of receipt.

If you make your loan payments by ACH or AFT, your payments are credited upon receipt. For these purposes, Saturdays, Sundays and federal holidays are not business days, and payments received on these days in person or in the night drop will be credited on the next business day.