• Loans available for new and used automobiles, recreational vehicles, trailers, campers, and more
• Flexible rates and terms and quick turn-around

If you are interested in applying for an auto loan, please complete the following application.                      Click here for an Auto Loan Application.

• Loans available for business purchases, commercial land, or business operating lines of credit
• Investment and rental property loans
• Customized repayment options available

Construction Loans

• Short term financing with monies disbursed to construct residential properties
• All disbursements are done by the bank
• Only pay interest on the amount advanced during construction
• Options available if you have not sold your current home

Lot Loans

• Flexible terms and underwriting
• Options available if you have not sold your current home

• Loans secured by GTSB Deposit Accounts, Certificates of Deposit, and Life Insurance policies
• Quick turn around on all GTSB accounts

If you are interested in applying for a consumer loan, please complete the following application.                      Click here for a Consumer Loan Application.

Fixed Rate Residential Loans

• Fixed rate mortgages to give you the security of a set rate for the life of the loan
• Payments received at any GTSB location
• No prepayment penalties

Balloon Loans

• Flexible rates and terms
• In-house underwriting

Rural Housing Loans

• Fixed rate guaranteed loans
• Funds can be used to purchase, build, or renovate a residential property
• Flexible underwriting

FHA Loans

• Fixed rate loans insured by the Federal Housing Administration

VA Loans

• Fixed rate residential mortgage loans available to United States Veterans, Services Members, and spouses that have not been remarried

Home Equity Loan

• Use equity in your home for renovation or repairs, to pay school expenses, consolidate credit card debt, larger purchases, or whatever you may need

If you are interested in applying for an in-house loan, please complete the following application.                      Click here for an In-House Residential Loan Application.

Once completed, you will need to submit your application to a GTSB Loan Officer.  This can be done either in person or electronically via encrypted email.  To submit your application through encrypted email, please contact a GTSB Loan Officer to initiate the encrypted email chain.  Once you receive this email, you will be required to create a password for access.  Once your secure account is created, you can then attach and send your completed application back to them securely.  All email correspondence concerning your loan should be done through this chain.

As always, if you have any questions along the way, please visit or contact one of our loan officers at any of our 4 locations.

If you are interested in applying for a fixed rate residential loan, begin the application process by completing the Universal Residential Loan Application (URLA) form(s) outlined in the steps below.  For assistance in completing the URLA form(s), use the instructions found HERE.

Important Note: Please save the documents below to your computer PRIOR TO filling them out.

• For a Single Borrower, complete the URLA Form.  Click here for the URLA Form
• For Joint Borrowers, complete the URLA Form for the Primary Borrower and AND the URLA – Additional Borrower Form for the Secondary Borrower.  Click here for the URLA Form and Click here for the URLA – Additional Borrower Form
• If more space is required to complete either of the forms above, use the URLA – Continuation Sheet.     Click here for the URLA – Continuation Sheet
• If you selected the Unmarried Status in Section 1 of the URLA, you will also need to complete the URLA – Unmarried Addendum Form.  Click here for the URLA – Unmarried Addendum Form
• The following form must be completed by each borrower and submitted to your GTSB Loan Officer with your URLA – Supplemental Consumer Information Form.  Click here for the URLA – Supplemental Consumer Information Form

Once completed, you will need to submit your application form(s) to a GTSB Loan Officer.  This can be done either in person or electronically via encrypted email.  To submit your application through encrypted email, please contact a GTSB Loan Officer to initiate the encrypted email chain.  Once you receive this email, you will be required to create a password for access.  Once your secure account is created, you can then attach and send your completed application back to them securely.  All email correspondence concerning your loan should be done through this chain.

As always, if you have any questions along the way, please visit or contact one of our loan officers at any of our 4 locations.