Mortgages
- At Merchants Bank, we make mortgages simple. If you are buying a home or looking to refinance, our experienced lenders provide helpful, personal service.
- Fixed-rate Mortgages
- Adjustable-rate Mortgages (ARM)
- 7-1 Year ARM
- 5-1 Year ARM
- 1-Year ARM
Home Equity Lines & Loans
- Getting the money you need – whether it's for home improvements, college tuition or emergencies – is quick and convenient with our Home Equity Loans and Lines of Credit.
- Fixed- and variable-rate options
- A streamlined application process
- Possible tax-deductible interest
- Primary mortgage can be with another bank
Auto Loans
- If you're looking to finance a new or used car, an auto loan can be your ticket to a smooth ride. With Merchants Bank in the driver's seat, you get:
- No bank application fee
- No pre-payment penalty
- Financing for up to 100% of purchase price or value
- Ability to refinance existing auto loans
Bi-Weekly Mortgages
- With our Bi-Weekly mortgage, you make one-half of your monthly mortgage payment every two weeks for a total of 26 bi-weekly payments each year.
- Reduce your principal balance more quickly
- Automatic bi-weekly payments
- A variety of rate and term options available
Loans & Credit Cards
- With a loan or credit card from Merchants Bank, you can get the money you need now – delivered with quick, personalized service from experienced lenders.
- Typically used for large-ticket items
- Choose from a variety of repayment terms
- Minimum loan amount is $2,000
- Option to save money on interest by paying balance of loan early without penalty
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Questions?
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Do I need to live or work in Vermont to open an account or loan?
Do I need to live or work in Vermont to open an account or loan?
Merchants Bank opens accounts or loans for people living or working in Vermont or communities adjacent to our offices.
52 Reasons
Businesses across Vermont choose to work with us for many reasons. We’re sharing 52 of those reasons throughout the year. Click here and see how many we have so far.
Merchants Trust Company
We earn the trust of our clients by combining our unique investment approach with true Vermont values of listening, learning and taking action. Find out more.
Bi-Weekly Mortgages
Make one half of your monthly mortgage payment every two weeks and you reduce your principal, interest paid and length of repayment. Learn more.