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Neal Polacek
Assistant Vice President - Relationship Manager
885 N. IL 3
P.O. Box 148
Waterloo, IL 62298
Hi! My name is Neal Polacek. I have spent my whole life living right here in Waterloo. I graduated from Waterloo High School in 2012. After high school, I attended Southern Illinois University at Edwardsville, graduating in 2016 with a Bachelor’s degree in Finance/Economics. After college, I started at State Bank, where I was a mortgage underwriter for 5 years before becoming a Relationship Manager.
When I am not at work, I enjoy spending time with my family/friends, playing golf and watching sports. I love anything to do with St. Louis sports and Fighting Illini basketball.
My main goal is to build a relationship with each of my customers and help them in any way possible, now and in the future. If you are looking to buy/build a new house, or refinance your current one, please give me a call. I look forward to working with you!
Need a loan?
Find out how much you can afford by getting preapproved or apply to refinance your existing mortgage.
Find the best loan option for you:
We offer a variety of loan options to choose from including fixed rate mortgages, adjustable-rate mortgages, and construction loans. Our Relationship Managers can explain each program and help you decide which best meets your needs.
Have additional questions?
A Relationship Manager is always just a call or email away. Please call us at (618) 939-7194 in Illinois or at (314) 904-3268 in Missouri or email us at mortgage@sbw.bank.
Today's Featured Rates
| Fixed Rates | ||
|---|---|---|
| 30 Year Fixed Rate | ||
| Rate | APR | |
| 7.125% | 7.175% | |
| 20 Year Fixed Rate | ||
| Rate | APR | |
| 7.000% | 7.065% | |
| 15 Year Fixed Rate | ||
| Rate | APR | |
| 7.000% | 7.081% | |
| Adjustable Rate Mortgage | ||
| 5 Year Adjustable Rate Mortgage - 30 Year Term | ||
| Rate | APR | |
| 7.508% | 7.916% | |
| Construction | ||
| Construction Loan | ||
| Rate | APR | |
| 7.000% | 8.832% | |
| Home Improvement | ||
| Rate | APR | |
| 8.750% | 10.613% | |
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