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Personal Loans

At Damariscotta Bank & Trust Co. one of our most important jobs is to reinvest in the communities that we serve.  And we do that best by providing a wide variety of loan products designed to fit your needs.  As an independent community bank, we know that service is important too, and thatís why loan decisions are made promptly, right at our branch offices.  So, whether you are buying your first home or first car, retiring on the road with a new motor home, or just want to take a well-deserved vacation; we have many personal loan choices to fit your needs, we have the best combination of loan products and personal service to make your dream a reality.


Money Line-Overdraft Protection

Overdrafts can happen to anyone and we understand that sometimes you need a little ďwiggleĒ room, which is why we offer Overdraft Protection.  This service links your checking account to a money line, so if you find yourself overdrawn, the protection automatically transfers money in increments of $50 to cover the overdrafts.


Residential Mortgages

At Damariscotta Bank & Trust Co. we understand that one of the most important decisions youíll have to make is the selection of a home.  So weíve designated our mortgage loans to make the financing easier and affordable.  We offer both fixed and variable rates with a variety of terms.  Refinancing?  Let us help you select the right mortgage for you.


Home Equity Lines of Credit

Unlock the equity in your home and take advantage of the low interest rate and convenient repayment terms that our home equity line of credit offers.  Itís a great way to finance home repairs and educational expenses.  Because itís a line of credit, advances can be made at any time through Online DB&T, our 24-hour telephone banking service; Access DB&T, by check or, of course, in person.  Itís the most convenient way to borrow and the interest you pay may be tax deductible too.*

*Please consult your tax advisor