2.99% APR Fixed for 6 months and then 4.00% Variable APR*
Maximum LTV 80%


3.99% APR Fixed for 6 months and then 5.00% Variable APR*
Maximum LTV 90%

*Annual Percentage Rate (APR) is effective as of 03-15-2017 and is subject to change without notice. The initial discounted rate of 2.99% APR or 3.99% APR will be in effect for 6 months. Beginning the 7th month, variable APR for the line is Prime Rate (4.00% APR) or Prime + 1% and a maximum of 20.00% APR. Interest rates vary and are indexed to the Prime Rate as published by The Wall Street Journal. Subject to credit approval. Your actual variable rate will depend on the loan to value. No closing costs. An early termination fee of $500 will be charged if the account closes within 36 months. $50 annual fee. Minimum $5,000 initial draw on account must be drawn and stay on account for 30 days. The loan will have a five year draw period with interest only payments and then a 5 year repayment period with payments of 1% of the principal balance or $100 whichever is greater. There will be a balloon payment at the end of the loan term. If you make only the minimum payment and took no other credit advances, an advance amount of $10,000 would require interest only payment ranging from $26.85 to $33.34 during the five year draw period and then you would have $100.00 per month payment for 59 payments and one payment of $5,681.30 at maturity.

New Car Rate Special

We are currently offering a special new car rate:

2.75% / 3.28% APR

This rate is available to 2016 or new car loans, purchase transactions only.  Subject to application and credit approval.  Minimum $5,000 loan amount.  Maximum loan terms 72 months.  Example: if $17,000 is financed at 72 months, with an origination fee of $250, the monthly payment will be $256.41.  Rate effective 06/13/2016 and may change at any time.


Metamora State Bank offers loans to our customers in the Fulton/Lucas County area of Ohio and Lenawee/Monroe County of Michigan. The following are types of loans that we offer. (Please contact a loan officer as to rates, terms and conditions).

Auto/Truck Loans

We have funds to lend on vehicles for qualified applicants with various terms available. Credit Life and Disability Insurance is available on request for an additional monthly charge.

Real Estate Loans

Metamora State Bank offers several financing options to its customers for the purchase of real estate. Fixed rate mortgages, ARM’s (adjustable rate mortgages) and Balloon mortgages for those who wish to have a smaller payment initially with a re-finance option available. These programs also apply to the purchase of farm land. Investment loans (for the purchase of real estate) are also available. It will be necessary to discuss rates and terms with your loan officer.

Home Equity Loans

The bank offers home equity loans that allow customers access to the equity in their homes with the advantage of tax deductibility (please consult with your tax advisor). Property insurance is required for the term of the loan. The rate of interest on the loan is tied to prime rate and therefore offers a very competitive rate of interest.

Fixed Rate Home Improvement Loans

Various terms available. Contact directly for details.

Business and Agriculture Loans

The Metamora State Bank promotes local commerce by providing credit to businesses, including our agricultural community. We offer loans for real estate purchases, facility construction, business equipment purchases and short-term working capital lines of credit. When offering credit to our business clientele, it is the bank’s policy to provide a win/win solution for your borrowing needs.

** Loans for other purposes will also be considered. For more information on these loans, please contact an MSB loan officer.

Open An Account

Metamora Banking Center
120 East Main Street, P.O. Box F
Metamora, OH 43540
Phone: (419) 644-2361
Fax: (419) 644-5774

Sylvania Banking Center
8282 Erie Street
Sylvania, OH 43560
Phone: (419) 885-1996
Fax: (419) 885-5151



8:30 am – 4:30 pm (M-TH)
8:30 am – 5:00 pm (Fri)
8:30 am – 12:00 pm (Sat)


9:00 am – 4:00 pm (M-TH)
9:00 am – 5:00 pm (Fri)
9:00 am – 12:00 pm (Sat)