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Personal Borrowing

With you every step of the way

Buy or build your dream home. Tackle a project or take your family someplace fun. With RockPointBank's loans and credit cards, you can create special moments or simply cover life's everyday costs. Our banking professionals are ready to listen to your story and connect you with a lending solution that suits your needs.
When you're buying a house, you have a lot of choices. The same goes for home loans. A mortgage that's just right for your neighbor might not be the one for you. Our lending team will explain all the details and help you choose a loan that fits your family's finances and future plans.

  • Competitive interest rates
  • Second mortgages to pay for renovations
  • Refinancing options available
If you're building your own home from the ground up, we can provide financing that covers land acquisition, labor, and material costs. Just provide us with project plans and cost estimates, and we'll work with you through each phase.

  • Funds distributed as each building phase is completed
  • Borrowers make interest-only payments on the outstanding balance
  • Easy to convert to long-term mortgage when house is finished
Home renovations, wedding celebrations, family vacations. A HELOC is an affordable loan fund that you can tap into over and over again to pay for anything life brings your way.

  • Credit limit determined by equity in borrower's home
  • Competitive, floating interest rate
  • Pay interest only on amount actually borrowed
  • Quick access to funds through online banking or the RockPointBank mobile app
From buying cars to covering tuition bills, there are hundreds of reasons why individuals and families might be looking for extra money. Come talk to us about your needs and we'll work to tailor a loan especially for you.

  • Unsecured and secured loans available
  • Competitive rates
  • Can be used to consolidate higher-interest debt

Your lifestyle, your finances, your choice. RockPointBank offers several types of credit cards. One offers a cash rebate on all purchases, while the other comes with no annual fee.

  • Shop online or at millions of merchants worldwide
  • Zero Liability protects you against unauthorized purchases
  • Enjoy round-the-clock anti-fraud protection
  • Apply for your card online

RockPointBank is a full-service financial institution headquartered in Chattanooga, Tennessee.