Citizens Bank & Trust Co. offers loans to meet your every need. We make borrowing quick and easy with credit decisions made within 24 hours.

Consumer Loans

We have a variety of loans to ensure one that is just right for you. Our interest rates are competitive and customer service is a priority.
  • Personal Loans
  • Automobile Loans
  • Motorcycle/ATV Loans
  • Boat Loans
  • Vacation Loans
  • Mobile Home Loans

Print: Consumer Credit Application


Business Loans

We understand that all businesses are not alike. At Citizens Bank & Trust Co., we offer different types of loans to help with your business needs. As with our other types of loans, we offer very competitive interest rates and great customer service.
  • Commercial Mortgages
  • Commercial Equipment
  • Line of Credit for Operations
  • Land Development
  • Construction

Print: Commercial Loan Application

Credit Cards

Our credit cards offer a very competitive rate of interest.
  • Visa Classic
  • MasterCard Classic
  • Visa Gold
  • MasterCard Gold
  • Visa Business Card

Mortgage Loans

We can help you purchase a new home, refinance or remodel your existing home. Take a vacation or pay off personal debt with our home equity loans. Contact us for information about terms and options.
  • Purchase Loans
  • Refinance Loans
  • Construction Loans
  • Home Improvement Loans
  • Second Mortgages
  • Home Equity loans

Citizens Bank & Trust Co. Mortgage Loan Originators

Individual Name
Bobby G Turner
Aleshia Smathers
J.B. Morgan
Billie Phipps
Pauline C. Brewer
Jennifer Lynn Bradley
 580163    Alan D. Turner
 807523 Brandon M. Griffith
 1228080 Leeroy D. Brandenburg
Steven R. Neace


If you would like to discuss your loan application, call one of our loan officers at 606 666 6750. Please fax your completed application to 606 666 6776. You may also e-mail our loan department at





Please be aware that we will NEVER contact you by telephone, e-mail, or other method and ask you personal information about your accounts or your PIN.  Remember, we already have this information. In addition, there are safer options you can use when purchasing items in person, online, or by telephone.  You can use an electronic check conversion or a signature-based transaction with your debit card, in lieu of releasing your PIN. There are several “phishing” scams being attempted on a daily basis and we want our valued customers to be alert and vigilant against these operations.  If you have any questions or think you have been a victim of a phishing scam, please contact us immediately.