Borrowing Made Simple.

You know what you need. We’ll help you get it with personalized service and local decision-making.  


Local Decision-Making You Can Count On

At Highlands Community Bank, you’re more than just a number.

We’re invested in your community. When you bank at a local, community bank, decisions are made right here in your hometown by people you know. We personally review every loan with attention to detail and take the time to consider the whole person, not just the numbers and letters on the application. 


Lending Options

We offer competitive loans with flexible options for residents of Covington, Clifton Forge, Hot Springs, and surrounding areas.

Commercial Unsecured Loan

Get a lump sum of working capital to help boost your business’s cash flow.

Home Equity Line of Credit (HELOC)

Borrow against your home’s available equity to free up cash for your next home project. 

Home Equity Loan

Leverage the equity in your home to access a fixed-rate loan for your next project or a big investment. 

Personal Loan (Secured or Unsecured)

We have competitive personal loan options whether you want to utilize collateral or not. 

Auto Loan

Found your dream car? We partner with automotive dealers to fund your purchase. 

Marine Loan

A marine loan can have you out on the water, with competitive rates and flexible terms, in no time.

Recreational Vehicle Loan

Whether you need an RV for traveling or want to invest in a four-wheeler for the farm, we can set you up with a loan that works for you. 

How It Works

Initiation of your loan application is a simple process. All you need to do is set up your account with some baseline information and our portal will take you step-by-step through the rest of the process.

In our secure application portal, you can:

  • Create and complete to-do’s necessary for their loan application
  • Securely upload supplementary documents
  • Communicate with loan officers throughout the application process
  • Check the status of your loan
  • Receive automatic email notifications when key milestones in the loan are reached
  • Confirm your loan next steps through e-signature authentication

*Associated fees, including APR, transaction fees, and interest rates may vary based on the loan type.