Personal/Commercial Loans

Text Size Resize text smaller Back to default text size Resize text larger

Installment Loans 


  • Rates and terms are competitively priced
  • Payments may be automatically deducted from a TSB checking or savings account, or may be paid with cash or check
  • No penalty for early repayment
Back to Top

Home Equity Line of Credit 


  • Variable rate as low as Prime +1.5%.  The index is the Prime Rate as published in the Wall Street Journal. The annual percentage rate can change daily.  There is no limit on the amount by which the rate can change in any one-year period.  The maximum ANNUAL PERCENTAGE RATE that can apply during the plan is 18%.
  • Property insurance is required.
  • Consult your tax advisor to determine tax deductibility of interest.
  • Loan is subject to credit approval.
  • Primary residence is used as collateral.
  • An early termination fee will be assessed if the customer closes the credit line during the first three years. The early termination fee is comprised of all fees paid by the Bank to third parties on your behalf associated with loan closing. Fees to third parties generally total between $200 and $1,200 and may include fees for appraisals, credit reports, flood determination, government recording, and attorneys. The Bank will provide you with an itemization of fees paid to third parties at closing.

Please see the HELOC Program Disclosure for full disclosure of terms or contact one of our friendly lenders for more information. In case of errors or questions about your bill, please see the Fair Credit Billing Act Notice

 Back to Top

Real Estate Loans 


  • Competitive rates
  • Variety of terms to fit your needs
  • Payments may be automatically deducted from a TSB checking or savings account, or may be paid with cash or check
  • Funds may be used for home purchase or refinancing, lot or land acquisition, residential construction or home improvement
Back to Top

Business Loans 

Tennessee State Bank has a variety of credit options to meet the needs of your business. They include:

  • Term Loans
  • Lines of Credit
  • Letters of Credit
  • Real Estate Loans
  • Business Credit Cards
Back to Top

Please contact any of our branches and ask for a lending specialist. They are available to meet you whenever and where ever it is convenient for you. To locate the branch nearest you please click here.


Notice of Error or Information Request

If you suspect there is an error with your loan account or if you want to request information about your loan account, please write to us at:

Tennessee State Bank
Attn: Credit Department
PO Box 1260
Pigeon Forge, TN 37868

Please include the following in your correspondence:

  • Your name
  • Information that allows us to identify your loan account
  • Describe the error and why (to the extent you can explain) you believe there is an error; or describe the information you are requesting with respect to your loan account.

You may telephone us at (865) 453-0873; however, we reserve the right to require the notice of error or information request in writing.


Servicemembers Civil Relief Act Notice

Regular members of the U.S. Armed Forces (Army, Navy, Air Force, Marine Corp and Coast Guard), Reserve and National Guard personnel,  members of the commissioned corps of the Public Health Service and National Oceanic and Atmospheric Administration, and certain U.S. citizens serving with armed forces of a nation with which the U.S. is allied in the prosecution of a war or military action, there are some benefits afforded to you by the Servicemembers Civil Relief Act (SCRA).  Some of these benefits also extend to servicememberís spouses, dependents, and other personís subject to the obligations of servicemembers.  To request relief under SCRA, please forward your request together with a copy of the servicememberís military orders to Tennessee State Bank, PO Box 1260, Pigeon Forge, TN 37868, Attn: Credit Department.


Homeownership Counseling Notice

Loans secured by a homeowner's principal residence:

If your payment is past due, you may be eligible for Homeownership Counseling under the Housing and Urban Development Act of 1968.  For HUD assistance you may call their toll free number 1-800-569-4287.

Back to Top