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The Middlefield Banking Company offers both Fixed Rate and Adjustable Rate loans with competitive rates and fees. We also offer interest rate locks up to 60 days. We encourage aggressive comparison of our Annual Percentage Rates against those of our competitors, including mortgage companies. Our lean closing costs and fees combined with competitive interest rates means better loan value for our customers. Our payment options are generous to the consumer, in some instances giving them the flexibility of paying monthly, bi-weekly or weekly. Special rates are available to those buyers who choose an automatic withdrawal payment option from a Middlefield Banking Company deposit account. Payments can also be made by way of our online bill pay. So no matter where the homeowner is, payments can be made easily and on-time. Because we are the local service provider, payments can also be made at any of our seven convenient locations, each with convenient extended hours to serve our customers. A major advantage of dealing with The Middlefield Banking Company is our local decision-making and our ability to be flexible. Initiating our simple application process consists of a loan application and two years verification of your income. Sound banking decisions are made by remembering where we came from - generations of honest people banking on the American dream.