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Personal Banking \ Personal Loans

Preferred Ready Reserve Line of Credit

Smart Choice: For anyone looking for a great alternative to a credit card combined with the flexibility to meet unexpected expenses or make larger purchases.


Revolving line of credit with a minimum limit of $5,000 - With approved credit.

 Monthly Payment deducted automatically from your checking account of 5% of outstanding balance.

Automatic advances into your Adams Bank & Trust checking account in $1,000 increments - as needed up to your credit limit.

Interest: Variable rate is indexed at 3.0% above New York Prime, adjusted monthly