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ISB Home Page Welcome to ISB

Discover the benefits that continue beyond the closing.

ISB Mortgages & Loan Programs (click below)

Conventional Mortgages – fixed or variable rate

First Time Homebuyer Program

First Time Homebuyer Program


First Time Homebuyer Loans are available to First Time Homebuyers(no ownership in a principal residence during a three-year period prior to purchase of a principal residence) or a Displaced Homeowner. Subject to our Lending Policy and Residential Underwriting Standards.

Counties Served:

Blair, Bedford, Cambria, Centre, Clearfield, Huntingdon

Down Payment and Closing Costs:

  • 3% or Higher Down Payment
  • Lower Closing Costs


One to thirty years

Maximum Amount:

85% appraised value or purchase price (whatever is lower) with higher loan-to-value ratios available up to 97% subject to private mortgage insurance underwriting and approval.


See Product Rates


Are required for all assessments due to property taxes, and where applicable, flood insurance and private mortgage insurance.


FREE - Available upon request from any Mortgage Loan Personnel.


May be made by phone, FAX, mail or in person.

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or click here to Set-Up a New Account

ISB 24/7 Banking allows you to:
  • Verify account balances, ATM transactions
     & cleared checks
  • Obtain interest rate info
  • Transfer funds between accounts
     ... and more.
DIAL IN at 1-800-991-4259

Learn more about ISB 24/7:
Internet Banking | Mobile Banking | Telephone Banking

Altoona Office    Map It
1201 8th Avenue
Altoona, PA 16602
Phone: (814) 944-0843
Fax: (814) 942-6821

Lobby Hours
MON-FRI: 9am - 4:30pm

Drive Up Hours
MON-THU: 8:30am - 5pm
FRI: 8:30am - 6pm
SAT: 9am - 12pm

Bank Holiday Schedule

Duncansville Office    Map It
201 Patchway Road
Duncansville, PA 16635
Phone: (814) 695-7551
Fax: (814) 695-1369

Lobby Hours
MON-FRI: 9am - 5pm

Drive Up Hours
MON-THU: 9am - 5pm
FRI: 9am - 6pm
SAT: 9am - 12pm

Bank Holiday Schedule

After Hours
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after business hours, please call

To report a lost or stolen credit card
after business hours, please call

For credit card balance inquiries
after business hours, please call

Member FDIC ISB is an Equal Housing Lender Equal Housing Lender