The Bank of Commerce


Personal Loans

Whether you are in the market for a new car or boat, or need some quick cash for taxes or home improvements, visit with one of our loan officers at a branch near you. We can help you with the financing you need to make your plans happen, and we'll do it with rates and payment terms that fit your needs. Most applications are approved the same day, and you can set up automatic payments from your checking account to make payback a snap.

Loan Calculator

Ready Reserve Line of Credit
(Personal line of credit)

A Ready Reserve, designed for your busy lifestyle, is a personal line of credit attached to your checking account which is available to you in the event there are insufficient funds in your account to cover a check. It can come in handy for a temporary loan for those emergency needs. Payments are automatically transferred from your checking account each month. You can also make an additional payment any time you wish. (The Bank may require an updated financial statement periodically to keep your Ready Reserve intact.) No Fees are associated with this line of credit. You only pay interest for the time you borrow the money.

Loan Calculator

Mortgage and Construction Loans

For assistance with a home or construction loan, please contact our Real Estate department

Home Equity Line of Credit*

There's money hiding in your house. Let us help you find it! Secured by the equity in your home, a Home Equity Line of Credit gives you the flexibility to access funds at any time. Use these funds to deal with life's challenges.

  • Home Improvements
  • Home Expenses
  • Debt Consolidation
  • Vehicle Purchases
  • Education Expenses
  • Medical Expenses
  • Vacations
  • Special Purchases

Contact us or inquire at any branch for further information on the benefits of having a Home Equity Line of Credit.

* Fees may apply. Interest may be tax deductible. Consult with your tax advisor for further details.


All loan payments must be accompanied by the account number or payment coupon provided.  Loan payments must be sent to The Bank of Commerce, PO Box 1887, Idaho Falls, Idaho  83403 or made in person to any one of our branch locations.  Payments must be received by our branch cut-off time,  Monday - Friday, except bank holidays, to be credited as of that date.

All branches with the exception of those specifically listed below have a cut off time of Monday - Thursdayat 5:00 PM Mountain Time and Fridays at 6:00 PM Mountain Time.

American Falls Branch                                    Monday - Friday           5:00 PM Mountain Time

Mud Lake Branch                                            Monday - Thursday      4:30 PM Mountain Time

                                                                                        Friday           6:00 PM Mountain Time

Dillon Montana Branch                                    Monday - Friday           5:30 PM Mountain Time


All other payments received will be credited as of the next business day or as otherwise permitted by law.  Saturday banking is considered as Monday’s business day.


Please contact your lender with any questions.



FDIC Equal Housing Lender