The Bank’s business profile is a combination of a traditional thrift institution, a retail bank, and a commercial bank. The basic products and services to be offered through the bank or its subsidiaries, include, but are not limited to:
Loan Products
- Residential first and second mortgages
- Investment property first and second mortgage loans
- Commercial real estate loans
- Equity lines of credit
- Rural Development loans
- FHA loans – referrals
- Direct auto loans
- Motor home loans
- Boat and motorcycle loans
- Unsecured consumer loans
- Certificate share loans
- Commercial and SBA loans
- Insured 2nd mortgage loans
- Agricultural loans (including operating lines of credit, livestock, equipment, and farm real estate loans)
- Checking Plus
Deposit Products
- Savings accounts
- MMDA accounts
- Personal Checking accounts
- Small Business Checking accounts
- Certificates of deposit
- IRA and SEP accounts
- Debit cards
- Commercial Checking accounts
Non-Traditional (Uninsured) Products and Services
- Annuities
- Mutual Funds
- Investments (stocks and bonds)
- Long term care insurance
- Term life insurance
Other Products and Services of Sterling Federal Bank
- Signature guarantees
- Safe deposit boxes
- 24-hour automated teller machines
- Four Seasons Club
- Direct deposit service
- Wire transfer service
- Merchant services, by referral
- Credit cards, by referral
- Prepaid gift cards and travel cards
- Online banking
- Mobile banking
- Mobile deposit capture
- Person-to-person payments
- Account-to-account payments
- eStatements
- Sweep overdraft protection
