Community Banks of Shelby County offers personal banking and commercial banking services to its customers. It provides services like electronic banking, cashier s checks, money orders, account research, faxing, copying and overdraft privileges. The bank offers a complete line of mortgage products including several special programs such as First Time Home Buyer Program, which offers smaller down payments for first time home buyers, FHA and VA Programs, and Rural Housing Program. Community Banks of Shelby County also offers agricultural loans including machinery purchase loans, real estate loans and FSA guaranteed loans. Its commercial lending department offers business loans such as small business administration loans, working capital loans, equipment loans, real estate loans, merchant services, real construction loans and business checking. The bank also provides installment loans to enable customers to purchase vehicle, boat, motorcycle, camper or any other major item.
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