Consumer and Commercial Loans

When you need a loan, we know you want it fast and we will get you a quick decision.


Call us today and speak with one of our loan officers regarding rates and terms. Deposit customers may qualify for reduced rates, ask us how. Click on and print application of desired loan. Make sure that your printer settings are set to "FIT to Page" before you print. Complete, sign and deliver or fax to 850-973-2910. 

Please call us at 850-973-2400 and ask for a Loan Officer or Email us at

Fair Lending Statement

The goal of Madison County Community Bank is to provide quality banking services to all our customers. Our ongoing policy is to comply with all regulations that have fair lending implications. We promote the availability of credit to all creditworthy applicants without regard to sex, martial status, race, color, national origin, religion, familial status, handicap, or age. 

All customers deserve and will receive courteous respect regardless of the type of inquiry and are encouraged to formally apply for a loan by completing a formal loan application. (see links above) 

All applicants will be notified on the action taken on their application no later than 30 days from submission.