Personal Loans

Installment Loan


Thinking about a new car or truck? Dreaming about cruising on the lake in a new boat? Installment loans from Community First can help. Our fixed rate plan is just like it says. Enjoy a competitive rate and a fixed monthly payment from the bank where you can expect more.

Line of Credit


First Line is a line of credit attached to your checking account. You simply apply, establishing the line of credit, then you decide when and how much (up to your established credit limit) you want to borrow. You can enjoy a revolving line of credit that’s always available. You’ll pay no interest until you use the account. First Line can give you the extra cash you need, when you need it. First Line applications are available at any Community First Bank office and disclosures of fees and charges are available upon request and at account opening. First Line of Credit is subject to credit approval.

Home Equity Loan


You may have spent years building up equity in your home. Now you can put that equity to work. You may be able to deduct the interest on your income tax return. Please consult your tax consultant regarding the deductibility of interest.  When you need a large sum of money, a Home Equity Loan may be just right for you. Community First's fixed rate Home Equity Loan can be tailored to fit your needs.  Contact Community First Bank & Trust office for rates and terms.

Home Equity Line


The equity you own in your home can be the key to all your borrowing needs. With a Community First Home Equity Line, you apply only once and then simply by completing a Home Equity Line check you can access any amount up to the maximum credit limit. You will have the convenience and security of a revolving line of credit that is always ready to serve you. Please consult a tax advisor regarding the deductibility of interest.  Your credit line can be as little as $5,000 or as much as you want, depending on the equity in your home and your ability to repay. Please consult one of our loan officers for the product that fits your needs, and for additional terms and conditions. Please be aware that fees may be associated with this transaction.

Fixed Rate


Enjoy security and peace-of-mind with monthly principal and interest payments that never increase. The interest rate is fixed for the term of the loan. The only thing that may change is the amount you pay to escrow for insurance and taxes. Please contact one of our loan officers for more information.

Balloon Loan


If you are anticipating moving within a few years, you may find a balloon loan to your advantage. At the end of your loan term, you may consider contacting your loan officer to see if you qualify for additional options.

Construction Loan


See us before you start to plan your new home. We can save you time and money. We can tailor a construction loan package to meet your needs.