Personal Services

Loan Services

Bank Installment Loans*

At WMB, consumer installment loans are made to you for any worthwhile purpose. We have several types of loans available: secured and unsecured personal loans, auto loans, recreational vehicle loans, boat loans, home improvement loans, mobile home loans, and home equity loans and lines of credit. Your loan request will be analyzed by an experienced professional banker who has your interest in mind. Repayment can be customized to match the income source to meet your financial needs. Our loans are fairly priced and the rates are based on market conditions and other factors such as your total bank relationship with WMB, your personal credit history, the term of the loan, the collateral position of a secured loan and debt-to-income ratios which indicate the cash flow you have available to pay back the loan on a timely schedule.

Visit any of our locations.

To streamline your loan process, please provide all requested information. When you have completed the application, click on the Submit button to send it to a loan officer. You will receive a response to your loan request within one business day.

Married applicants may apply for a separate account. If you are applying for Individual Credit, you must complete the Applicant section about yourself and the Co-Applicant section about your spouse if:

  1. You live in or the property pledged as collateral is located in a community property state ( AZ, CA, ID, LA, NM, NV, TX, WA, WI),
  2. Your spouse will use the account, or
  3. You are relying on your spouses' income as a basis for repayment.
Wilson & Muir Bank & Trust Co. is located in the Commonwealth of Kentucky. Our products and services are subject to Kentucky law and are only available to new customers who are residents or businesses located in our geographic markets defined as the cities and counties surrounding our branch offices, and to former and current customers.

If you are applying for Joint Credit with another person, complete the Applicant and Co-Applicant sections.

*available to qualifying customers

Apply Today


Home Equity Loans and Lines of Credit*

Use the equity in your home to make your dreams come true. Home equity rates are low and very competitive. Use your equity to improve your home, buy a car, pay off high-interest credit cards, consolidate bills into one low monthly payment, pay college tuition, go on vacation, or buy nice jewelry! Check with your tax advisor because the interest may even be tax deductible.

*available to qualifying customers


Visa Check Card or ATM Card

You may access your account(s) by ATM using your ATM and Personal Identification Number (PIN) or Visa® Check Card and Personal Identification Number (PIN) to:

  • Get cash withdrawals from checking or savings account(s)
  • You may withdraw no more than $300 per day
  • There is a charge of $1.00 per withdrawal at ATMs we do not operate
  • Transfer funds from savings to checking account(s)
  • Transfer funds from checking to savings account(s)
  • Obtain information about the balances of your checking and/or savings accounts

Free Visa® Check Card, point of sale transactions may not exceed $500 in transactions per day. Always choose "Credit" when purchasing at point of sale terminals to avoid unnecessary service charges.

Visa® Classic and Visa® Gold Credit Card*
There are no annual fees on our credit cards. View our application to learn more about each card.

Notice of ATM/Night Deposit Facility User Precautions.

*available to qualifying customers

Credit Card Disclosure



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At Wilson & Muir Bank one of the things I’m most proud of is the fact that we help local businesses succeed in the community we serve. It’s very rewarding to work for a bank that allows me to personally assist the people who help keep Nelson County strong and that’s Why it’s My Bank, too.

Davis L. Huston,
Senior Vice President
Main Office

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