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Loans

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We offer a variety of Mortgage and Personal loans each of which we can tailor to best fit your personal situation. Whether you are buying or building a new home, improving the one you have, buying a new vehicle or taking that long-awaited vacation, The Middlefield Banking Company has the solution for you.

Adjustable Rate Mortgage - (ARMs)

Lower initial interest rate and payments than other mortgage loans. Rate will adjust periodically with market conditions for the remainder of the loan. For more information on mortgages go to our Mortgage Loan Center.

Fixed Rate Mortgage

Designed for easy monthly budgeting. The monthly payment and the interest rate remain the same throughout the loan. For more information on mortgages go to our Mortgage Loan Center.

Home Construction & Renovation

To finance the construction costs of a primary, single family property or for major renovations to an existing property. When construction is completed, the loan can be converted to a fully amortizing mortgage. For more information on mortgages go to our Mortgage Loan Center.

New or Used Vehicle

Designed specifically for the purchase of a new or used car, truck, boat, recreational vehicle or motorcycle. Personal Credit Application. Personal Financial Statement.

Home Equity & Home Improvement

These loans are ideal for borrowers who have a specific need and wish to repay in regular monthly payments over an extended period of time.

Home Equity Line of Credit

A flexible, revolving line of credit that allows you to borrow against the equity in your home in just the amounts that you need at the time you need it.

Personal Need

Fixed term, simple interest loan designed for a specific need. Can be either secured, with a wide range of collateral choices, or, under certain circumstances, unsecured. Personal Credit Application. Personal Financial Statement.