Shoreham Bank

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Certificate of Deposit Accounts 

9 Month CD

5.50% APY

Take advantage of our 9 Month CD special today! 

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FHA Title 1 Loans

No Equity Home Improvement Loans

Looking to make home improvements but do not have enough equity in your home for a HELOC or Home Equity Loan? Our FHA Title 1 Loan is a great option for you!

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Home Equity Loans 

Fund Life's Adventures

We offer great Fixed Rate Home Equity Loans that can provide you extra cash to pay for things like a wedding, college tuition, and vacations. 

Online Banking Login
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Today's Rates

9 Month
CD

5.50%
Soaring Savings

5.10% 
3 Month
CD

5.50%

APY

Home Equity Loans (starting at)
6.49%

APR

Our New Name!

We opened our doors in 1959, serving the community of Rhode Island as a mortgage lender under the name Home Loan & Investment Association. On March 15th, 2024, we officially changed our name to Shoreham Bank. As the tides have come and gone, our customers, our business partners, and our company have grown significantly. With our product offerings reaching far beyond just mortgages, our name no longer reflects the products we offer to our community. Welcome to Shoreham Bank!

Shoreham Bank in the Community

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Habitat for Humanity
group photo at McAuley House

McAuley Lunch On Us
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Holiday Food Drive
Employees with presents

Adopt A Family


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FHA Title 1 Loan

A Title I loan is a fixed rate home improvement loan that requires no equity.   All Title I loans are insured by the Federal Housing Association (FHA) and are backed by the U.S. Department of Housing and Urban Development (HUD). 
 
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Home Equity Loans


We offer great Fixed Rate Home Equity Loans with terms to fit your budget and easy monthly payments.
 
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Auto Loans


Finance your next new or used vehicle or refinance your current auto loan with Shoreham Bank. 
 
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SBA & USDA Loans


Shoreham Bank specializes in SBA loans and USDA loans, we provide government guaranteed funding to small business owners.