Being a community bank that is locally owned and operated gives us the ability to make all loan decisions locally and quickly. Contact us to speak to one of our lenders and ask about our wide range of credit services.

Rafael A. Ramirez, Jr., President & CEO 386.672.3003
Bob Selover, Senior Vice President/ Senior Lending Officer 386-304-6577
Charmin M. Stumpf, Vice President Lending 386.672.3003
Melinda S. Ferris, Vice President/Branch Manager, Ormond Beach 386.672.3003

Personal Loans

Unsecured Loans
These loans are term loans on an unsecured basis with a fixed payment over a period of time.

Negotiable Collateral Loans
Use your savings, CD’s, life insurance policy or stock as collateral for a loan.

Autos/Light Trucks/Motorcycle Loans
Purchasing a new or used vehicle? We offer competitive rates and flexible terms on both.

Boats and RV Loans
Our recreational vehicle loans make taking to the open road possible. If boating is your dream, we offer boat loans to help this dream come true.

Residential Real Estate Loans
Being a local community bank allows us to provide you with flexible loan structures and creative solutions.

East Coast Community Bank offers a variety of mortgage loans with fixed and variable rate financing options. These loans can be used for the purchase or refinance of residential real estate, whether owner-occupied or income producing. Competitive rates and amortization periods are available.

Mobile Home Loans
We offer mobile home and manufactured housing loans with residential lots.

Home Equity Loans
College tuition, second home or adding an extra room or pool, come see us for home equity loans.

Home Equity Credit Lines
Accessing the equity in your home is as easy as writing a check with one of our home equity credit lines. This enables you to purchase that big ticket item such as a new car or even renovate your home.

Overdraft Protection
We offer you an unsecured line of credit attached to your checking account to prevent overdrafts.

Business Loans
At East Coast Community Bank our bankers are experienced lenders and community leaders who understand your local business. Also, being a local community bank allows us to provide you with flexible loan structures and creative solutions.

Commercial Real Estate Loans
East Coast Community Bank offers a variety of mortgage loans with fixed and variable rate financing options. These loans can be used for the purchase or refinance of commercial real estate. This product is available for both owner-occupied facilities or income producing properties. Competitive rates and amortization periods are available.

Commercial Equipment Loans
We provide loans to purchase business equipment providing you opportunity to purchase an asset which can be used to help increase revenues.

Commercial Working Capital Line of Credit
East Coast Community Bank’s Lines of Credit provide your business a way to support account receivable and inventory fluctuations.