Loan Products Installment Loans Mortgages Lines of Credit Credit Cards Commercial Loans Business Manager? From time to time, everyone needs to borrow money. The reason may be as special as a second honeymoon or as necessary as a new car. Wilber has a way to make it happen for you. And with each loan option, we offer competitive rates, speedy approval and optional low-cost credit protection for consumer loans to ensure that payments are made if something happens to you. Further information about the products listed below can be obtained by calling 607-432-1700 or 1-800-374-7980. Installment LoansInstallment loans are ideal for many of your borrowing needs, such as automobiles, boats, vacations, home improvements or college tuition. Apply at any of our branch offices. Residential Mortgages Provantage Home Loans, a division of Wilber National Bank, specializes in home loans to meet your needs. Whether you are refinancing your home, purchasing a new home or would like to make home improvements, Wilber has the right loan for you. Click here now for more information about Today's Interest Rates, Product Information, Payment Calculators, Free Consultation Request or to "Get Started" with the first step in the mortgage process.If you are already a home loan customer and would like to access your On-Line Documents, please click here now. Lines of CreditCheque-Mate (Overdraft Protection)A ?cushion? of credit, linked to your checking account, that avoids embarrassing overdrafts and bounced checks. In addition to overdraft protection, Cheque-Mate is a line of credit you can use to cover unexpected expenses. Credit lines are available up to $10,000 pending credit approval. Apply at any branch office. Home Equity Prestige Line of Credit (PLC)A variable rate line of credit you can draw on anytime simply by writing a check. If you own your home, you may borrow up to 90% of your home?s equity. Because this is a revolving line of credit, as the outstanding balance is paid down, your line is available to use again. Wilber?s PLC has the additional benefit of income tax deductibility.* Apply at any branch office ? once your application is approved, your line of credit will be there whenever you need it! *There are some exceptions to tax deductibility. Consult your tax advisor regarding the deductibility of interest. Credit Cards For Personal UseMore widely accepted than checks and often more readily accepted than cash, nothing beats the convenience of a Wilber Bank Visa? credit card. Which one is right for you depends on your personal credit needs. That?s why we offer five options: Platinum Edition? Visa CardGold Edition? Visa CardRewards Advantage? Visa CardFirst AirMiles Rewards? Visa CardSecured Visa Card For Employee UseA Wilber Bank Business Edition Plus? Visa Card lets you earn points redeemable for a wide variety of goods and services. You can accumulate points for your company or give them to your employees. Take advantage of the convenience and savings of a credit card that actually helps your bottom line. You receive theft and damage protection on most purchases, savings on business supplies and services and itemized management reports. Wilber?s Commercial EditionSM Visa Card combines many of Visa?s most powerful business payment solutions into a single, flexible card. It streamlines your finances ? whether you need to manage travel, entertainment, or procurement expenses. You?ll be able to categorize employee card use which will give you a complete and accurate picture of spending. A Purchasing Edition? Visa Card from Wilber National Bank reduces the time and expense associated with indirect business-to-business goods and services by eliminating purchase order and invoice paperwork. It simplifies your procurement process and provides a wide range of customized management and reporting features. It?s a great choice for mid-to-large sized companies needing 10 or more cards.Merchant Credit Ca