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Citizens Bank & Trust - A Community Bank - Since 1916 - Member FDIC

Personal Loans

Apply for a Personal Loan With Citizens Bank & Trust

Our unsecured personal loans offer fixed interest rates and affordable monthly payments.


  • Home loans; construction, purchase, refinance and improvements
  • Lot loans
  • Vehicle loans
  • Recreational vehicle loans
  • Boat loans
  • Unsecured loans
  • Loans to individuals for business purposes
  • Loans secured by deposit accounts


  • Consumer line of credit
  • No minimum draws
  • Accessible by check
  • Competitive interest rates
  • No annual fees
  • Pay only for the credit you use, when you use it
  • Can be used for Overdraft Protection

EquiCheque Home Equity Line of Credit

  • A personal cash reserve based on the equity you’ve built in your home
  • Your interest may be tax deductible, consult a tax advisor about the deductibility
  • Low closing costs and no annual fees