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Installment loans are available for the following:

• Trucks over one ton, semi-tractors and trailers
• Lawn tractors and non-commercial equipment
• Jet skis and wave runners
• Commercial and farm equipment
• Motorcycles and ATVs
• Classic automobiles

AUTO LOANS

• Are available for new or used automobiles and the purchase of trucks one ton +
• Must be secured by title to vehicle being financed
• 72 month term available on new auto loans with retail value over $20,000
• Rates and terms are commensurate with age of collateral, amount borrowed and credit score

BOAT LOANS

• Are available for purchase of new or used boats
• Must be secured by title to boat being financed
• Rates and terms are commensurate with age of collateral, amount borrowed and credit score

RV and TRAVEL TRAILER LOANS

• Are available for purchase of new and used recreational vehicles
• Secured by title of vehicle being financed

MOBILE HOME LOANS

• Available for purchase of new and used mobile homes
• Secured by title of mobile home being financed
• Rates and terms vary depending on whether or not real estate is involved

LOANS SECURED BY PASSBOOKS AND CERTIFICATES OF DEPOSIT

• The loan rate is 3% over the rate being paid on the investment instrument (savings account or CD)

CONSOLIDATION LOANS

• Rates and maturities are commensurate with the collateral being offered, amount borrowed and credit score

SIGNATURE LOANS UNDER $2,500

• Maximum term of 24 months is available
• Rates are determined on an individual basis

SIGNATURE LOANS OVER $2,500

• Rates and terms determined on an individual basis

HOME EQUITY LOANS

• This loan is secured by the your primary residence
• Maximum loan amount up to 80% of the appraised value of the residence
  
  VARIABLE RATE
  • Minimum loan is $5,000
  • Rate is based on Wall Street Journal Prime Rate and changes with Wall Street Journal Prime Rate changes
  • No initial fees are charged
  • Interest is charged only on the principal amount actually used
  • Monthly payments are equal to the interest due on the outstanding balance or $100, whichever is greater
  • Draw period is limited to 10 years maximum
  • Repayment is period 10 years maximum
  • Maximum annual percentage rate is 18% (Ceiling)
  • Minimum annual percentage rate is 4% (Floor)
  • There is an annual fee of $50 after first full year (12 months). Fee is waived with direct debit of the payment from a CNB checking account
  
  FIXED RATE
  • Minimum loan amount is $5,000
  • No Fees

Call or visit your Branch Manager for current rates


CONVENTIONAL HOME LOANS

• Financing is available for purchase or refinance of owner occupied 1 to 4 family dwellings
• Loan term up to 30 years
• There are no prepayment penalties

CONSTRUCTION LOANS

• Provides financing for construction of 1 to 4 family, owner-occupied dwellings
• Monthly payments are interest only during construction period
• Land previously owned can be considered as partial down payment
• Maximum loan to home value is 80%

SMALL AND LARGE BUSINESS LOANS

• Rates and terms are determined on an individual basis
• Loans are made for a variety of business purposes including equipment purchases, working capital lines of credit and purchase of commercial real estate
• Loans are available for purchase and refinance of investment properties and large apartment buildings
• Financing for church renovations, expansions or new construction
• Agriculture loans provide financing for farm land, land with a residence, or new farm equipment
• Rates for commercial loans may be fixed or variable depending on the amount, term and purpose of the loan