Important Update! We’ve enhanced the OSB Mobile App to keep your banking experience secure and seamless. Please update your mobile device to iOS 17+ or Android 9+ to continue using the app. If your mobile device can’t update, you can still access your accounts safely through our website.

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