Personal Loans

Sometimes you need cash. Trust us. We understand.

Whether you are taking a vacation, consolidating high interest bills, protecting your checking account from overdrafts or even if you just need some extra cash; we can set you up with a personal loan to meet your needs.


Personal Installment Loans
Do you need a loan for home improvement and repairs, to meet unexpected expenses, to purchase automobiles or boats, or for vacation expenses?

  • Competitive interest rates
  • No prepayment penalties
  • Short terms


Auto Loans

  • Rates as low as 2.25% APR*
  • Loan amounts up to $100k
  • Flexible Terms
  • No Annual Fee
    *APR=Annual Percentage Rate. 2.25% APR with Citizens Trust Bank Automatic Debit Payments. Other rates apply when there is not an automatic debit from a Citizens Trust Bank account.


Personal Line of Credit
Flexible financing for all the things that come up in life. Whether you are taking a vacation, consolidating high interest bills, protecting your checking account from overdrafts, or just need some extra cash, we can help create a personal loan to meet your needs.


Secured Line of Credit
Secure a loan with liquid collateral (Stocks, Savings Certificates, etc.)
Manage cash flow, and use it when you need it. Citizens Trust Bank lines of credit help you fund receivables and take advantage of opportunities. From fixed and variable rate installment loans to lines of credit, we can help you accomplish your goal.


Home Equity Lines and Loans
Access the equity in your home to finance your next dream. We can help you turn that project from an idea into the next picture in your scrapbook.

If you have owned your home for many years, have a low mortgage balance and plan to borrow soon, we offer Home Equity Loans secured by a first or second mortgage on owner occupied dwellings. Your equity can be turned into a cash reserve so you can pay unbudgeted bills or take advantage of a bargain price on a major purchase. You can also use your equity to finance a vacation, car, college education, or a big home improvement.

  • Our Home Equity Line lets you borrow up to 80% of the equity in your home
  • You can set up automatic payments for your line, directly from your CTB checking account



Give yourself some credit – Ask us about a new personal loan with you in mind.

Citizens Trust Bank Silver Lining

  • Fixed rate
  • Short-term
  • Asset-building opportunities
  • Builds more stable credit history

Learn more on how you can Building a Strong Credit Score from Scratch Contact US, Relationship Specialists today.

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