Here for You. . .

Sometimes you need cash. Trust us. We understand.

There are a lot of reasons for a personal loan — from debt consolidation, vacations, and home improvement projects, to car expenses or anything in between. And there are a lot of lenders out there willing to give you one. Because we want to see you succeed, we feel confident we can offer you the best loan solutions, no matter what your need.

OR fill out the Personal Loan form and bring it to a Citizens Trust Bank financial center near you.


Personal Installment Loans

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

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 Lines 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.

Borrow up to 80% of the equity in your home.
Set up automatic payments for your line, directly from your CTB checking account.