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Whatever you need to enhance your quality of life, American Bank offers a personal loan to help you achieve that need. Auto, boat, camper, debt consolidation and vacation loans are just some of the personal loans available to you. All are processed using a simplified application process and affordable rates. Pre-approval is available and recommended, and will take only a few minutes. Begin process here.

American Bank is committed to serving the credit needs of the communities and surrounding areas in which we do business. Our policy is to respond to all credit worthy segments of our market. We believe that doing so is basic to good business practice and to our long-term viability. You will find that we pride ourselves in:
  • Local decisions – when you speak with an American Bank loan officer, you are speaking with someone locally who has the authority to make a decision on-site.
  • Experienced professionals – who will insure a quick turnaround.
  • Creativity and flexibility of terms – so we can tailor a loan to meet your specific needs.
  • Disability and/or Credit Life Insurance – products are offered locally with a no pressure approach to allow you to decide how much protection you may need.

Home Equity Lines of Credit
Enjoy greater financial flexibility by utilizing the equity in your home as collateral with a revolving line of credit. Pay interest only on the amount you use. 
  • Apply only once and borrow as much of your line as you wish.
  • Access your line of credit at any time, simply by writing a check when you make a purchase or to take a cash advance. You decide when and where to use it.
  • Our Home Equity Line variable interest rate is very competitive and is adjusted each day. You pay interest only, calculated on your outstanding balance. You may repay any portion of the principal balance of your loan at any time without a prepayment penalty.
  • Your home equity line will remain in place for up to 10 years.
  • Interest may be tax deductible, but please consult your tax advisor.


Purchasing or refinancing your home may be the biggest financial decision most of us will ever make. When you place your trust in local hands, we will be with you through every step. We offer a wide variety of terms and features and will take the time to explain them and then tailor your loan to your best advantage. Learn more about Mortgage Basics.

In-house Conventional Real Estate Mortgages
  • Adjustable Rate Mortgage Loans (ARMS) with a fixed rate for the first 63 months. After 63 months, the rate may adjust annually
  • Your closing costs can be financed with your loan
  • Free pre-qualification available
  • Free or discounted deposit accounts and services are included during the life of your loan

Secondary Market Conventional Home Mortgages 
  • Mortgage loans with a long-term fixed rate or an adjustable rate mortgage (ARM)
  • Local servicing and approval
  • Free pre-qualification available
  • First-time home buyer programs available
  • Free or discounted deposit accounts and services are included during the life of your loan

USDA Rural Development Program
This special loan program enables borrowers to purchase a home with no money down. You can even roll some of the closing costs into the loan, making home ownership that much easier. To be eligible, you must meet the income limitations and the property must be located in an eligible Rural Housing Zone.
  • No down payment
  • Roll closing costs into loan (loans available up to 102%)
  • Competitive market rates
  • Easier to qualify
  • No Private Mortgage Insurance (PMI) required
  • Household income must fall within program guidelines*
  • Single-family, owner-occupied properties only
  • Personal service every step of the way
  • Local approvals
*Income eligibility varies by county. Contact us for these limits.

FHA & VA Loan Programs
Both the Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) have loan programs that require little or no money down. They have easier qualifications than traditional mortgages. American Bank provides these loans in conjunction with American Trust, with local service every step of the way.
  • Easier to qualify, even without perfect credit
  • FHA regulates closing costs
  • Lower down payments
  • Gifts can be used for down payments/closing costs
  • Fixed or adjustable rates available
  • Single family, owner occupied properties only
  • Personal service every step of the way
  • Local approvals
  • Maximum income requirements to be eligible

Residential Construction Loans
American Bank has a great history of working with Wisconsin builders and developers. Our local lenders will take you through each phase of your construction process. When finished, your construction loan can be converted into a permanent mortgage, saving substantial additional closing costs
  • You pay interest only on the amount of funds advanced during the construction period
  • Contact us for a free pre-qualification

For more information, Contact Us.