Effective Friday, September 5, 2025, the Main Office and Bogart Financial Centers will begin closing at 5:00PM on Fridays.

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Construction Loans

Oconee State Bank specializes in Single Family Residential Construction Loan accounts!

Let us help you build your dream house! For more information about a specific type of loan, just click Contact Us, and a loan officer will follow up with you to answer your questions.

  • Benefits:
    - Low closing costs

    - Loan decisions made locally

    - Permanent loans available

    - Courteous and professional service