"Pony Express is everything we could ask for out of a bank. We have our business and personal accounts there. We have tried a lot of other places and felt like we were just a number, couldn't be more different at Pony Express. Everyone in the bank treats you like you're a part of a family. I couldn't recommend ALL of the people that work there enough. It's one thing for a few people to care, but they've built a culture there that I can only strive for in my company."

Brock Hall

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"I love this bank. With bigger banks there are so many hoops to jump through to get a business loan but with Pony Express, they look at each business's situation individually and can make decisions at a local level based on common sense. I've had good experiences with them over the years and look forward to a continued good relationship."

Erich Henson

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Home Equity Loans

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Your home provides shelter, comfort, and memories. It can also become a source of funds for additional needs with the help of Pony Express Bank

Details
  • Competitive rates for short-term or one-time needs:
    • Education expenses
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And more
  • The existing equity in your home is used as collateral backing
  • Loan amount based on loan-to-value ratio
  • Accommodating repayment terms that work uniquely for you
  • The interest paid may be tax deductible*
  • No prepayment penalty
  • Receive funds in one lump sum
  • Local decision-making and processing
  • Detailed, attentive service from start to finish
Home Equity Line of Credit (HELOC)

Get pre-approved for a credit line and then use the funds as needed. Pay interest only on what you use, and tap back into your line without re-applying.

  • Competitive rates for ongoing or seasonal needs
  • The existing equity in your home is used as collateral backing
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily available via check writing
  • The interest paid might be tax deductible*
  • No prepayment penalty
  • Local decision-making and processing
  • Detailed, attentive service from start to finish
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*Consult a tax advisor