Personal Loans

Installment Loans

You need to buy something and cash isn’t available – not unusual for most folks. Is your first thought to charge it on a credit card? There may be a better way! Credit card rates can be sky-high and you’re dealing with an impersonal lender in a far off city. There are a number of advantages to consider in applying for a State Bank of Pearl City personal installment loan.

First, you’re working with a local bank. All of our staff understand your needs. Fixed interest rates over an agreed term help create financial stability. It makes budgeting easier (unlike credit cards) because monthly payments won’t change. Best of all, interest rates on a bank personal loan are generally much lower than credit cards!

How about buying that new or used vehicle, boat, motorcycle or RV? We make it fast and easy. Just complete an application and upon approval, your funds are ready for you to use as needed.

Mortgage Loans

Buying a home, farm or property can be really stressful. We want to make the process as simple as possible, even with ever-changing regulations. Before you come into the bank, it’s helpful for you to have a good idea of your comfort zone for monthly payment amounts and over what period of time. We have a variety of mortgage options that can be tailored to fit your individual preferences. Through discussion and by knowing exactly what your needs are, we can make sure you get the loan option that’s best for you!

To APPLY NOW click on

Online Mortgage Application

Consolidation Loans

Have you had it with paying 25% or more on credit card loans? It may be time to consider consolidating those loans into one manageable payment at a much more favorable rate. Tip: Check with your tax advisor to see if the interest on our consolidation loan could be tax deductible!

Ready Reserve Loans

Protect against unexpected overdraft fees on your account. Our Ready Reserve program can help you to avoid overdrafts. Limits may vary and interest is charged on balances outstanding.

Credit Cards

For convenience, safety and ease of use, a bank credit card could still be the sensible choice for purchases when cash is not readily available. Our cards are accepted at millions of locations around the world. We’re here to help you with lending questions and rates regarding your credit card.

Financial Calculators

Personal financial calculators are here to help you evaluate banking, borrowing and savings decisions. Calculators should be used only for illustrative purposes and may not be applicable to your individual situation.

Student Loans

You Want Options. We’ve Got Them.

Whether you need a loan to pay for school or refinance existing loans after graduation, we have options.

Click Here to learn more!

Loan Officers

Contact any of our loan officers for questions regarding all of our lending options. They act as your representative to the bank to find a loan arrangement that is best suited to your needs.


David J. Schirmer

NMLS #405805


Michael L. Smith

NMLS #405806


Scott Helms

NMLS #405808