Rewards Credit Cards
Want to get more for your money? Our Rewards card lets you earn rewards for every dollar you spend, with no annual fee.
At Central Bank, our treasury management services are designed to provide your organization the financial tools it needs to thrive.
Central Bank offers experience and expertise in Veterans Affairs (VA) loans for qualified veterans and service members.
Credit Cards from Central Bank
Discover the freedom of financial flexibility with our Visa® Credit Builder, Saver and Rewards cards. All with no annual fee!
Whether you're purchasing a new car, taking that dream vacation or buying your first home, Central Bank has a range of financing options to fit your unique needs. Loans and lines of credit aren't one-size-fits-all solutions, and the Central Bank professionals will help you find the perfect fit to make it happen.
Our personal loan options include auto and consumer loans, fixed-rate home equity loans, home equity lines of credit (HELOCs) and mortgage loans. Apply below, or contact your local branch to discuss your options with a lender.
Learn more about our credit card options.
Standard credit qualifications apply.
How will my car be titled?
Your car will be titled in your name, with Central Bank listed as a lien holder.
What is the longest term I can get a car loan for?
That depends on the age of the car and several other factors. Please contact a Central Banker to find the auto loan that works best for you.
There are similarities and differences between home equity loans and home equity lines of credit. The main similarity is that both are tied to the equity you have built up in your home and can be used for almost any need.
Home Equity Loans
Home Equity Line of Credit (HELOC)
What’s the difference between a home equity loan and a home equity line of credit?
The main difference is that with the loan, you receive a one-time lump sum of money; the line of credit allows you to withdraw money when you need it up to a pre-determined amount.
Are interest payments on home equity loans and HELOCs tax-deductible?
In many cases they are, but as Central Bank is not a tax agency, we recommend you consult your tax advisor regarding the tax deductibility of home equity loans or lines of credit.
Does the purpose of my home equity loan make a difference?
The purpose of your home equity loan doesn't make a difference to us and won't affect your approval decision. It does make a difference to the federal government, however. We'll use the information you provide about the purpose of your loan to determine if certain characteristics of your loan must be reported to the IRS.
What's the process of applying for a home equity loan or home equity line of credit?
Apply online or call your local branch.
Purchasing a home is an exciting decision in a person’s life. With Central Bank, you have a mortgage officer to provide support every step of the way. Visit our mortgage center to learn more and get started.
At Central Bank, we offer fixed-rate and variable-rate mortgage loans. We also offer specialty home loans, such as Federal Housing Administration (FHA) loans and Veterans Affairs (VA) loans. Visit our mortgage center to learn more.
What type of property can I finance?
We can finance all types of properties, including single-family homes, condominiums, townhomes, vacation homes and more.
Will I need a down payment? How much?
The answer is almost always yes, though specialty loans do exist. How much you’ll need depends on the type of loan you choose. You can look at various scenarios using our online mortgage calculators.
What is escrow?
Escrow are funds included in your monthly mortgage payment to cover your taxes and homeowner’s insurance. Your bank keeps these funds in an account to make payments on your behalf.
Turn goals into reality with consumer loans from Central Bank. These flexible, unsecured personal loans empower you to navigate life's moments—big and small—with confidence. Whether you're buying a car, tackling unexpected expenses or consolidating debts, our consumer loans provide the funding you need with the peace of mind you deserve.
A home equity loan is a type of home loan that allows homeowners to borrow money against the "equity" they have in their home. Equity refers to the difference between the market value of your house and the amount (if any) you still owe on your mortgage.
Let's say your home is worth $300,000, and you owe $200,000 on your mortgage. That means you have $100,000 in equity. A home equity loan allows you to borrow money based on that equity.
A home loan from Central Bank is more than just a route to home ownership. It's a path to your future. That's why our team of dedicated mortgage specialists work to find the loan option that best fits your needs.
Whether you're a first-time buyer or looking to refinance, we offer a variety of home loan solutions with competitive interest rates and flexible terms. Plus, our streamlined application process and transparent communication ensure a hassle-free experience from start to finish.