Shoreham Bank

This slideshow visually displays up to three slides one at a time. The carousel is set to autoplay a different slide every eight seconds. Use play/pause button, slide pagination, or swiping to navigate through all slides.
Move past the hero section
Confetti
We Have Rebranded!

Welcome to

Shoreham Bank

Home Loan Investment Bank has officially transitioned to Shoreham Bank. Click here to learn more.

Happy couple dancing on the beach
Certificate of Deposit Accounts 

9 Month CD

5.50% APY

Take advantage of our 9 Month CD special today! 

Image of block island bluffs
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
This slideshow visually displays up to five slides. On mobile devices this slideshow displays slides one at a time. Use slide pagination or swiping to navigate through all slides.
Move past the quicklinks section

Today's Rates

9 Month
CD

5.50%
Soaring Savings

5.10%

APY

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 in the Community

This slideshow visually displays up to six slides. On mobile devices this slideshow displays slides one at a time. Use left/right arrow keys or swiping to navigate through all slides.
Move past the community section
Group shot of employees at work site

Habitat for Humanity
group photo at McAuley House

McAuley Lunch On Us
Group photo with items collected for the food drive

Holiday Food Drive
Employees with presents

Adopt A Family


Happy couple painting

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). 
 
Happy couple looking at a computer

Home Equity Loans


We offer great Fixed Rate Home Equity Loans with terms to fit your budget and easy monthly payments.
 
Happy couple buying a car

Auto Loans


Finance your next new or used vehicle or refinance your current auto loan with Shoreham Bank. 
 
Happy couple with open sign

SBA & USDA Loans


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