Important Fraud Prevention Reminder: Oconee State Bank will never call you asking for your personal information. If you receive a call from any number asking you to confirm personal account information, please reach out to our Digital Solutions Center by calling 706-769-6611.

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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 loans 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.