We offer installment and single-payment notes for other consumer purposes. Loans are offered on a secured basis to qualified applicants. We invite anyone to visit with a loan officer and complete a loan application.

Loans secured by a Spring Valley City Bank Certificate of Deposit have an APR (Annual Percentage Rate) of 2.00 % above the APY (Annual Percentage Yield) of the Certificate with a minimum APY of 5%..

There is no charge for completing an application. There is a processing fee of $75.00 on all consumer loans. Any fees charged by any entity to secure a loan are the responsibility of the borrower.

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