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

Lines of Credit

Oconee State Bank's Personal Line of Credit accounts give you access to money, when you need it most!

We offer two different Lines of Credit:

  • Equity Advantage
    We offer home equity lines of credit with competitive interest rates, payment options, and loan amounts. If you establish a home equity line of credit with us, it allows you the flexibility to borrow when you need to in minutes by just writing a check, transferring the money on-line, or calling and requesting an advance by phone.
  • Personal Advantage
    We offer this personal, revolving line-of-credit at a competitive interest rate. This line-of-credit will give you quick access to funds as the need may arise.


    We would welcome the chance to talk with you further about the best options to meet your current and future needs. Please give us a call us at 706-769-6611 to get started, or click Contact Us , and a loan officer will follow up with you to answer your questions.