Quality Banking Twin Oaks was established over 100 years ago as a dream from 9 local residents that had a vision of leadership, consistent growth, and responsible communication and perseverance. Twin Oaks Savings Bank specializes in several products from which our customers can choose: • Free Checking • Super Now Checking • Business Checking • Christmas Club Savings • Certificates of Deposit We also specialize in various loan products • Fixed Rate Mortgages • Adjustable Rate Mortgages • Construction Loans • Home Equity Loans and Lines of Credit • Lot and Land Loans • Auto and Consumer Loans • USDA Rural Development Guaranteed Loans If you have any questions or concerns please feel free to visit our website or give us a call directly.