FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Personal Loans
Life doesn’t always wait for a convenient time. Whether you’re planning a major purchase, consolidating debt or covering something unexpected, we’re here to help you get it done — with terms that make sense and a real person walking you through it.
We offer loans for all kinds of purposes: home improvements, medical expenses, purchase of a vehicle and more. Competitive rates, flexible terms and a process that doesn’t feel like pulling teeth — that’s the goal every time.
Not sure which loan fits your situation? Let’s figure it out together.
Mortgage Loan
Buying, building, updating or borrowing against your home — these are some of the biggest decisions you’ll make, and we don’t take that lightly. Our team is here to walk you through the options and help you make the choice that’s right for you, not just the one that’s easiest for us to sell.
We offer a range of home loan options, including:
Conventional Loans — traditional, fixed or adjustable-rate mortgages for most home purchases
Primary or Secondary Home Loans — financing for your main residence or a second home
Jumbo Loans — for home purchases that exceed conventional loan limits
Residential Lot Purchases — financing to buy land before you build
Not sure which mortgage product fits your situation? That's exactly what we're here for. Talk to a Banker [CR1] and let’s find the right fit together.
Interim Construction & Home Improvement
Building a home from the ground up is a different kind of loan — and a different kind of process. A construction loan gives you the funds to build in stages, paying your builder as construction progresses, rather than all at once upfront.
May include the purchase price of the lot
Only pay interest on the amount you draw
No prepayment penalties
Building or renovating is a big project. Let’s make the financing side the easy part. Talk to a Banker to get started.
Home Equity: Terms and Lines of Credit
Your home equity can do more than sit there — put it to work for home improvements or other major expenses with a Ciera Bank Home Equity Loan or Home Equity Line of Credit (HELOC).
Home Equity Term Loan
A lump-sum loan, paid back over time — straightforward if you know exactly what you need and how much it costs.
Installment loan in which all funds are advanced in one lump sum
Secured by a first or second lien on your home
Home Equity Line of Credit (HELOC)
More like a financial safety net than a single loan — draw what you need, when you need it, up to your limit.
Revolving access to funds during the draw period
Interest-only payments during the draw period
After the draw period ends, the outstanding balance is paid based on the remaining amortization period using monthly payments of principal and interest
Secured by a first or second lien on your home
Term loan or line of credit — which one fits depends on your plans. Talk to a Banker and we'll help you figure out which makes sense.
Personal Lines of Credit
A personal line of credit works a lot like a credit card, without actually being one. It's a revolving account with a variable interest rate, giving you short-term flexibility to cover bills and obligations, or fund things like new furniture or a family vacation. The money is yours to use as you see fit.
Need flexibility more than a fixed loan amount? Talk to a Banker about whether a line of credit is the right move.
Auto/Boat/RV Loans
Looking for a new car, boat or recreational vehicle? We have financing options to help you hit the road — or the water — with ease.
Ready to make the purchase? Talk to a Banker and let’s get you financed and moving.