Online Banking

Financing Your Future

Call us or visit one of our offices today to speak with an experienced lender about how Pan American Bank & Trust can help you finance the future you always dreamt of.

Home Equity Lines of Credit

A Home Equity Line of Credit (HELOC) allows you to borrow against the equity in your home.  A HELOC may be used to consolidate debts, make home improvements, purchase a car or provide needed liquidity.  A HELOC may also be tax deductible (please consult your tax professional to confirm the exemption applies to your financial situation).

Home Loans

As your lender, Pan American Bank & Trust would like the opportunity to finance your home.  A home loan may be made for the purchase or refinance of your one to four family personal residence(s).  For a loan refinance transaction, the funds may be used for legitimate purposes including, but not limited to, existing interest rate reduction and debt consolidation.  Click here to view our listing of lending originators.

Automotive Loans

Pan American Bank & Trust offers competitive interest rates on both new and used vehicles.

Certificate of Deposit Loans

CD loans are a great way to build or rebuild your credit profile.  Ask one of our experienced lenders how you can use your Pan American Bank & Trust CD as collateral for a personal loan today.

Overdraft Protection Loans

Overdraft Protection acts like a loan should your Pan American Bank & Trust checking account become overdrawn.  The details are outlined below.  Call one of our offices to speak to a lender to learn more and apply today.

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Overdraft and Cash Advances


Minimum Interest Charge

If you are charged interest, the charge will be no less than $.01

Paying Interest

You will be charged interest from the transaction date.


Annual Fee