Auto Loans

We offer an assortment of installment loans to meet your financial needs. Whether you are looking to finance a new car, boat, motorcycle, skis, or ATV, we make the application process fast and easy. Call us to get the details on how we can help.

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Personal Loans

Need a small loan to get through a project or special need? We offer an assortment of installment loans to meet your needs. We will take the time to discuss your specific situation and make the process streamlined and easy. Terms vary from 12-36 months and are fully amortized. Come in and see if we can help you get started.

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Credit Cards

Get the rewards you love with the benefits you deserve. Our MasterCard® Rewards credit card allows you to discover the millions of reward choices available to you – from airline tickets and merchandise, to cash and gift cards.

We have researched options and have formed a strategic alliance with our credit card provider. We have various programs to offer for Business or Personal. They include Platinum Classic, Platinum Payback and Platinum Preferred, and even secured to assist you in rebuilding your credit if that is the case. You can be proud to pull out your local bank card logo with the MasterCard network at your hands. Apply today to see what options you have. We can help you achieve numerous goals.

Consumer and Business

  • PLATINUM: Realize new levels of purchasing power with the Platinum Credit Card.
    •  Experience immediate savings thanks to competitive Annual Percentage Rates.
    • Get online access to all of your spending information for increased financial control.
    • Insure and protect yourself with extensive security and travel assistance services.
  • PLATINUM PAYBACK: Put your purchases to work for you with our Platinum Payback program.
    • Earn 1% Cash Back on all your qualifying purchases.
    • Opportunity to earn double and triple reward points on qualifying everyday purchases.
    • Additional card enhancements include identity theft resolution services, travel accident insurance, baggage delay and lost luggage.
  • PLATINUM PREFERRED: Features higher spending limits and Platinum Rewards designed to make every dollar count.

The Consumer Platinum Card also offers:

  • No Annual Fees
  • 24/7 Customer Support
  • Online Reward Tracking
  • Protection and Security Services

To learn more about how an our MasterCard® can reward you, visit one of our locations or contact us.

Click here or below on the image for more information or to apply.

Santa Paula Community Bank Personal Banking Credit Cards


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Overdraft Protection

Our checking account overdraft services are a good way to help make sure that your transactions are covered. We offer services to help you avoid overdrafts on your account. Overdraft services are optional and there are no enrollment fees. There is a short application process and approval is subject to credit approval.

How it works:
  • We will automatically transfer available funds to cover your transaction if you don't have enough money in your checking account. There is a $15 annual fee and each overdraft transfer costs $.50 at the time of transfer.
  • There is no fee to sign up for Overdraft Protection and a single Overdraft Protection transfer fee would be charged only if we transfer funds to cover a negative balance.

Avoid Overdrafts

Overdrafts and bounced checks occur when there is not enough money in your account to cover transactions. When you spend more than you have in your checking account, it can result in overdraft charges, which can add up fast.

Good account management is the lowest-cost way to avoid overdraft fees. Write your transactions down in your register and check your balance frequently by using Online Banking.

Here are some more ways to avoid overdrafts:

Keep track of how much money you have in your checking account by keeping your account register up-to-date. Record checks when you write them. Pay attention to electronic transactions you make. Record ATM withdrawals & fees, debit card purchases and online payments.

If you have a joint account and both account names have debit cards, make sure to write down purchases made by each person in your check register.

Remember to deduct automatic bill payments set up for utilities, insurance or loan payments.

When you view your account online, remember that some checks, automatic payments, and debit card transactions may not yet have cleared your account. Be sure your account has enough funds for these items.

If you notice that your checking account available balance is getting low, you can use Online Banking to transfer funds from your savings to your checking account instantly before overdrafts occur.

Sometimes mistakes happen. If you do overdraw your account, deposit money into the account as soon as possible to cover the overdraft plus overdraft fees. Depositing money into your account quickly will help you avoid additional overdrafts and fees.

Tools to Help You Avoid Overdraft Fees

You may inadvertently miscalculate the balance in your checking account. Mistakes happen. Or maybe you didn’t have time to make your deposit before you needed the funds.

If you write a check, authorize a payment, or make a withdrawal when there are not enough funds in your account, an overdraft will occur regardless of whether we elect to pay or decline the transaction. We will charge you a fee for each item that contributed to the overdraft under our standard overdraft practices,

The good news is, we offer a variety of options for overdraft protection plans and account management tools to assist you:

  • Prevent overdraft fees or fees from payees for returned checks or late payments.
  • Avoid a declined transaction due to insufficient funds.
Overdraft Protection Plans

Automatic access to funds in addition to the money in your checking account can help cover an overdraft. We offer options of two overdraft protection plans. Call or stop by to find out more.

Account Management Tools

Knowing the status of your balance, deposits, and payments can help you avoid making purchases that might overdraw your account. We offer several free account management tools with every personal checking account to help you keep track:

Direct Deposit saves you a trip to the Bank and is the fastest and most secure way to get recurring deposits into your account. Get started by completing our Direct Deposit Enrollment Form.

Balance Inquiries can be made through Personal Online Banking or Telebank Telephone Banking 24 hours a day. When funds are low, use either system to transfer funds from another to ensure all transaction s are paid correctly.

Online Bill Payment is a feature of our Personal Online Banking service that allows you to schedule payments at intervals best suited to your cash flow.

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Financial Management

Calculate Your FDIC Coverage

Calculate the insurance coverage of all types of deposit accounts offered by FDIC-insured banks.

Free Annual Credit Report

Experts recommend consumers should check their reports each year. It gives you the opportunity to correct misreported information and guard against identity theft. You can obtain a free credit report once a year from each of the credit reporting agencies: Experian, Equifax and Trans Union. Each credit bureau may have different information, so it is important to obtain a report from each of the credit bureaus.

Toll Free: 877-322-8228

Learn How to Manage Your Money the Federal Government's website dedicated to helping Americans understand more about their money - how to save it, invest it, and manage it to meet their personal goals.

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Whether you're a first-time homebuyer, looking to buy your next home, or looking to refinance your existing mortgage loan(s), our expert mortgage loan officers are here to answer your questions. Our rates are competitive and our experienced officers specialize in finding solutions to both common and unique needs.

Our goal is to offer the most competitive programs and the highest level of service available. Contact our Mortgage Lending team for more information. They will guide you through every step of the process, from application to closing, quickly and efficiently.

Our lending program is designed to finance both conventional and unique loans, those that do not quite fit traditional real estate loan programs. If you are seeking a real estate loan to fit your specific needs, we can help.

For more information, prequalification calculators and an online application, visit our Home Loan Center.

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Home Equity Lines of Credit

Unlock your home's hidden potential with our Home Equity Line of Credit. We make it easy and affordable to secure funds for all your projects. If you need the flexibility of access to funds for large expenses, now and in the future, a home equity line of credit could be the right option for you. We're here to help you navigate toward your dreams.

Our Equity Lines of Credit are custom fitted to your needs. If you need money for education costs, home repairs, remodeling, even a wedding, our Equity Line of Credit may be the solution. We make the process simple and convenient.

  • Low fees
  • Competitive rates
  • Attractive terms

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Residential Construction Loans

We will help you realize your dream house. Our construction loans are simple and convenient. The loan disbursement process is managed internally for better customer service.

  • Up to an 18-month term
  • Competitive rates and fees
  • Up to 65%–70%

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Land Loans

If a special lot or acreage is your dream, we want to help you to realize that. Our Land Loans are streamlined and convenient. Land Loans are unique as a result global cash flow and Loan to Value (LTV) is important. If you’re interested, we’d be happy to discuss your plans to see if we can make it work.

  • Competitive rates and fees
  • Up to 50% loan to value for unimproved and 60% LTV for improved
  • Up to 10 year terms fully amortizing

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Application Checklist

To prepare for your personalized meeting with your banker, bring the following items with you.

  • Personal Financial Statement
  • Consumer Loan Application (online version)
  • Last three years Personal 1040 Tax Return (Federal only, all pages).
  • Last 2 years W-2
  • Tax ID #
  • Living Trust (Title Page, Powers of Trustee, Successor Trustee, Signature Page)

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