Consumer Loan Products

At Omni National Bank, local people who know and understand your needs have the authority to make loan decisions. Omni National Bank offers the following types of loans. Come in and see a Loan Officer today.

Installment Loans

We offer loans with different terms and purposes to help you with the purchase of automobiles, boats, or other major purchases.

Line of Credit/Overdraft Protection

This line of credit offers you peace of mind for those unexpected expenses. It is linked to your checking account and offers you overdraft protection. See one of our Loan Officers today for more details.

Equity Bank Line

This line of credit is based on the equity in your home, giving you the opportunity to save money with a lower interest rate.

Credit Cards

Prime Advantage^®

Prime Advantage credit cards are accepted worldwide at millions of locations.  They are the safe and convenient way to pay for all purchases.  And you can use your Prime Advantage card at ATMs across the U.S. and around the world.

• No annual fees* 
• Low variable rate annual percentage rate**
• 25-day grace period on all purchases
• Fraud and zero liability protection
• Automatic and online payment options 
• Convenience checks
• Free balance transfer feature
• Common carrier insurance (up to $500,000)
• Auto rental insurance option
• DreamMiles Rewards^® option
• Choice of Visa^®, MasterCard^®, Visa Gold, MasterCard Gold, Visa Platinum or MasterCard Platinum 

Transaction fee for cash advances: 3% of amount of cash advance (minimum fee $5.00)
Late payment fee: Variable depending on balance
Over-the-credit-limit fee: $29
*DreamMiles Rewards cards have a $34.00 annual fee
**Annual Percentage Rate may vary. The APR is determined by adding a margin of 5.9% (Classic), 4.9% (Gold) or 3.9% (Platinum) to the Prime Rate as published in The Wall Street Journal on the third Thursday of the month. 
Normal credit approval applies.

DreamMiles Rewards Options include:

• Free airline tickets and discounts
• Quality merchandise
• Free cruises
• Hotel and Resort discounts
• Shopping awards
• Dining and Entertainment awards
• Cash back