HANDY CONTACT NUMBERS

 

Twin Bridges Bank 

406-684-5678

Sheridan Bank 

406-842-5411

Click for Addresses & Fax Numbers

 

ATM/Debit Cards (After Hours)

Lost or stolen card  

800-528-2273

Before traveling, please call to update your primary phone number to your cell phone so that out-of-area transactions can be verified..

New Card Activation

866-642-0450

You need to call from the primary phone number we have on our system.  

Change PIN

877-265-9594

 

24 Hour Better Banking

888-842-5121

 

Visa® PrePaid Cards

Customer Service

866-208-3438

 

 

 

 

Loans & Mortgages

 

Agricultural & Commercial Loans

 

Keeping your farm or ranch on a positive cash flow can be a constant challenge. While your payoff comes just once a year, a host of expenses have to be met before you sell your first calf or your first ton of hay. The core of Ruby Valley National Bank business is ag lending. We are certified lenders with the SBA, the FSA, and Rural Development (Business and Industry) for their loan programs. In addition our combined agricultural expertise and years of service of our loan officer team helps ensure the best loan program for your operation is pursued.

 

Whether you are looking for a short term working capital loan or a loan through the Farm Services Agency (FSA), Ruby Valley National Bank will work though the entire process with you. We are always looking for new ways to structure financing to enhance your profits and strengthen your ability to weather rough times.

 

We are here to provide initial consultation and evaluate your needs and business plan. To help prepare for our meeting, please bring the following information with you.


Is it better to lease or finance equipment? How much income do I need to make the yearly payment?
Click here to access our financial calculators.

 

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Real Estate & Mortgage


Even though the Bank does not originate single family real estate loans, we can refer you to various mortgage companies that can assist you in financing a new home or refinance your existing mortgage.  Mortgage rates are staying low. Seize the opportunity to consider a new home for your family or take advantage of the low long term rates.

 

Click here for our mortgage calculator to help you figure how much home you can afford.

 

The Uniform Residential Loan Application* is the application that is necessary to begin the approval process and is accepted at any financial or mortgage company.  The application can be completed online and then printed for your convenience.   To make your meeting as productive as possibe, you will need the following documentation to complete your application.  For a detailed check list, click here.  

  • W-2s for the past two years.
  • Pay stubs covering wages for the most recent 30 day period
  • Last two statements for all deposit accounts - checking, savings, investment, IRA, etc.
  • If self-employed, provide last two years signed and dated personal and business tax returns (if applicable) with all schedules attached.
  • Landlord's name and address for the past two years.

 

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Consumer


The personal service you receive from Ruby Valley National Bank means helping you meet your needs for a new car, a child's college tuition, home improvement, or just a well deserved vacation. We offer consumer loans for a variety of needs and terms.

 

Installment Loans

 

  • Fixed interest rate
  • Interest rate based on term, collateral, & credit history
  • Finance new and used items up to six years old
  • Monthly payments can be made by coupon book or automatic debit
  • Payment due date is flexible - can be set for any day of the month
  • Death & disability insurance available **

 

Vigilante Overdraft Protection

 

  • For individuals who wish to have a pre-arranged approved line of credit
  • Avoid costly overdraft charges and embarrassing delays
  • Annual fee of $10
  • Simple interest charged on the average daily balance of loan account balance
  • Minimum monthly repayment of $20 or 5% of outstanding balance, whichever is greater

 

Thinking of that new car or dream vacation? Use our loan calculator to help you in your budget and planning!

 

To make the process quick and easy, when you come to the bank to discuss your particular loan, print the loan application,* fill it out completely and bring it with you to your appointment. Also please bring the following:

  • W-2s for the past two years.
  • Pay stubs covering wages for the most recent 30 day period
  • Last two statements for all deposit accounts - checking, savings, investment, IRA, etc.
  • If self-employed, provide last two years signed and dated personal & business tax returns (if applicable) with all schedules attached.

 

For auto, boats, motor homes, snowmobiles, or recreational aircraft, in addition to the above information, please bring:

  • Vehicle Identification Number (VIN) for the vehicle. The VIN is located on a stamped metal plate on the dashboard near the windshield.
  • Your current insurance card.
  • The title to any currently owned vehicle you wish to use as collateral for your loan.

** Death and Disability Insurance is:

  • NOT FDIC INSURED
  • NOT A DEPOSIT
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT GUARANTEED BY THE BANK
  • MAY GO DOWN IN VALUE

 

*The article is in Acrobat Reader PDF format. You may download the Adobe Acrobat Reader by clicking on the logo.

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