Smishing Alert: Stay Safe!
We have received reports of fraudulent text messages claiming to be from OSB, stating that your contact information has been changed. The message includes a link, asking you to click to verify the request. Please be aware that this is a scam! OSB will never ask you to validate changes to your account via text.

If you receive one of these messages, do not click the link. If you feel that your account information has been compromised, contact us immediately through our secure online chat feature or call us at
706-769-6611 (option 4).

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

Consumer Loans

Oconee State Bank's Personal Consumer Loan accounts are built on a tailored solution that meet your individual financial needs.

We offer a wide spectrum of consumer loan options and deliver each with prompt, friendly service. 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.

  • Features:
    - Competitive fixed rates

    - Fast and local decisions
  • Examples of Consumer Loans:
    - Personal Loans

    - Automotive or Truck Loans

    - Boat Loans

    - Small Aircraft Loans