Thinking about a new or different vehicle?  Maybe a camper, ATV, boat or snowmobile?  Ladysmith Federal is here to help you with some great rates and terms that work within your budget. Remember our motto, "Where friendly service and quality meet" and let our friendly, knowledgeable staff be there to help you.

Did you know you can use the equity in your home for many of the things you want or need? With a Home Equity Line of Credit (HELOC), interest is generally tax deductible (check with your tax preparer).
 
HELOC has a great rate and has low closing fees. It can be used for many things when you most need it … home remodeling, to take a vacation, pay tuition or even to purchase a new vehicle.

These are usually given on a short-term basis and can be unsecured (certain conditions apply) or secured by your savings or certificate of deposit allowing you to still earn interest. Our rates are some of the lowest around. If you need funds on a short-term basis in an emergency or maybe need a few extra bucks for unexpected expenses, a personal loan with Ladysmith Federal might be just perfect for you.

Ladysmith Federal now offers a Visa Platinum Credit Card for our customers.  If you qualify, our low rate on your card may be a way for you to obtain a small cash advance for personal needs.  Stop by our office today to pick up your application.

The Sallie Mae Smart Option Student Loan can provide the money you need if you still have a gap after scholarships, grants, and federal aid.  With the Smart Option Student Loan, you can significantly reduce your total loan cost and free yourself from student loan debt faster.  Applying is quick and easy.  Twenty minutes should be all the time you need to complete the application and you could have your credit decision in a short amount of time.  Click on the image below to get started today!