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As we venture through life, many of us will buy more than one home for the purpose of upsizing, downsizing or even relocating to fit the needs of our career or family. At Citizens Deposit Bank, you can select from a variety of fixed rate and adjustable rate mortgage loan programs that will you suit your needs and budget.
Whether you are building your primary residence or a second home, let us help. We have an extensive amount of experience and will establish a draw schedule that meets the financial needs and requirements of you and your contractor. And with a construction-permanent loan, the process is efficient and convenient.
Enjoy the great outdoors? As you enter into Appalachia, you will find an abundance of timberland and wildlife including some of the best whitetail deer and turkey hunting in the state of Kentucky. So, whether you like to hunt, ride ATVs, camp or just simply enjoy being outdoors with family and friends let Citizens Deposit Bank finance your retreat.
Put the equity in your home to use! A Home Equity Line of Credit (HELOC) is perfect for home improvement projects such as building a deck, installing a new HVAC unit, purchasing new furniture and appliances or just giving your home a face lift. And that’s not all, use your HELOC to consolidate debts, pay off high rate credit cards, pay for college tuition and almost anything and everything you need or want. With total flexibility, you can draw and pay on the line at any time.
As with any home loan, there are potential tax savings. However, you should consult with your CPA or tax advisor regarding the deductibility of the interest paid.
Buying a new car? Purchasing a motorcycle? Citizens Deposit Bank offers a wide variety of personal loans that can be used to purchase new and used autos, ATVs, motorcycles and much more. We also offer signature loans that can be used to purchase household goods and pay off credit cards.