Own the Home, Land, or Lot of Your Dreams
Move into fixed or adjustable rates and make room for budget-friendly payments
Benefits You’ll Love
- Secure financing for the new home of your dreams
- Refinance your current home for a competitive rate
- Take advantage of low introductory interest
- Get local financing for a second home or investment property
Homeownership is one of the most meaningful financial milestones you can reach, and Community National Bank & Trust is here to help you get there. We offer a full range of home loan options that can help whether you're buying your first home, refinancing an existing mortgage, tapping into your equity, or investing in improvements to the place you already love.
Our local mortgage lenders take the time to understand your situation and guide you toward the financing that makes the most sense for your goals. With competitive rates and decisions made right down the road, the path to homeownership is more straightforward than you might think when you choose a local bank like CNB&T.
Home Loans & Mortgages
Homeownership is one of the most meaningful financial milestones you can reach, and Community National Bank & Trust is here to help you get there. We offer a full range of home loan options that can help whether you're buying your first home, refinancing an existing mortgage, tapping into your equity, or investing in improvements to the place you already love.
Our local mortgage lenders take the time to understand your situation and guide you toward the financing that makes the most sense for your goals. With competitive rates and decisions made right down the road, the path to homeownership is more straightforward than you might think when you choose a local bank like CNB&T.
Home Mortgage Loans
Ready to purchase the dream home you've been working toward? Our home mortgage loans offer competitive fixed and adjustable rates for new purchases and refinances alike. Whether you're a first-time buyer or making your next move, our team will walk you through your options and help you secure a loan that fits your budget and timeline.
Homes for Heroes Loans
Those who serve our communities deserve a little extra support. Our Homes for Heroes loan program offers special savings and benefits for military members, veterans, first responders, teachers, and healthcare workers. It's our way of saying thank you to those who give so much to others every day.
Home Equity Loans
Your home is one of your most valuable financial assets, and a home equity loan lets you put that value to work. CNB&T’s home equity loans allow you to borrow a lump sum at a fixed rate against the equity you've built with predictable monthly payments that make it easy to plan ahead for major expenses.
Home Equity Lines of Credit (HELOC)
For flexible, ongoing access to your home's equity, a HELOC may be the right fit. Draw funds as you need them within an approved credit limit, repay them, and borrow again, all with competitive rates and the support of a local lending team that knows your name.
Home Improvement Loans
Transform your current house into your dream home with a home improvement loan from Community National Bank & Trust. Whether you're updating a kitchen, adding square footage, or addressing long-overdue repairs, we'll help you secure the financing to make your project a reality without disrupting your financial stability.
Find Your Path to Homeownership With Community National Bank & Trust
No matter where you are in your homeownership journey, our team has the loan options and local expertise to help you move forward with confidence. You can rely on us to make the process less complicated and stressful, allowing you to focus on embracing the excitement of your next chapter.
etting started is simple! Contact us online to connect with our team or find your nearest CNB&T branch and visit us today! You can also check out our FAQ page for more helpful information.
No matter where you are in your homeownership journey, our team has the loan options and local expertise to help you move forward with confidence. You can rely on us to make the process less complicated and stressful, allowing you to focus on embracing the excitement of your next chapter.
Getting started is simple! Contact us online to connect with our team or find your nearest CNB&T branch and visit us today! You can also check out our FAQ page for more helpful information.
- Competitive fixed and variable rates for home purchase, refinance, or construction*
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of terms customized to your unique situation
- Variety of financing programs available, including:
- Fixed rate loans
- Adjustable rate (ARM) loans
- First-time homebuyer loans
- USDA Loans
- FHA Loans
- VA Loans
- Helpful loan advisors with working knowledge of the local real estate market
- Free pre-approval for extra confidence when buying your home
- Refinance your current home to potentially lower your rate
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
- Call us at 877-605-2145 or click the link below to apply today
*This is not a commitment to lend or extend credit. All loans/products are subject to approval.
Use this calculator to determine your projected earnings from our Reward Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit
| Certificate Term | Interest Rate | **APY |
|---|---|---|
| 9 Month CD Special | 3.46% | 3.51% |
| 13 Month CD Special | 3.05% | 3.09% |
| 24 Month Bump Special | 2.99% | 3.02% |
| 27 Month CD Special | 2.89% | 2.92% |
$1000.00 minimum deposit required. Substantial penalty may be charged for early withdrawal. Interest is compounded quarterly.
**Annual Percentage Yield. Fees imposed could reduce earnings.
ePower Checking
| **** Balance | ***Interest Rate | Depending on the balance in your account the Annual Percentage Yield (APY**) will: |
|---|---|---|
| Up to $25,000.00 | 1.400% | equal 1.41% |
| $25,000.00 - $1,000,000 | 0.150% | range from 1.51% to 0.18% |
| If ePower account requirements are not met | 0.100% | equal 0.10% |
****To earn the power rate, perform the following each cycle: 1. Have 12 Debit Card Transactions post and clear the account. 2. Have at least One Direct Deposit or ACH auto debit post and clear the account. 3. Enroll and receive electronic statements. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. **ATM refunds up to $25 per cycle if requirements are met. † Other fees may apply.
**Annual Percentage Yield. Fees imposed could reduce earnings.
*** Variable Rate Accounts: Rate may change after account is opened.
PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY
Guardian Secure Checking
| Balance | ***Interest Rate | Depending on the balance in your account the Annual Percentage Yield (APY**) will: |
|---|---|---|
| Up to $25,000.00 | 1.400% | equal 1.41% |
| Over $25,000.00 | 0.150% | range from 1.51% to 0.18% |
**Annual Percentage Yield. Fees imposed could reduce earnings.
*** Variable Rate Accounts: Rate may change after account is opened.
$100 minimum deposit to open
$4.95 Monthly Service charge
PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY
Platinum Savings Account
| Balance | ***Interest Rate | ** APY |
|---|---|---|
| Below $5,000 | 0.150% | 0.15% |
| $5,000.00 to $24,999.99 | 1.900% | 1.91% |
| $25,000 to $49,999.99 | 1.900% | 1.91% |
| $50,000 to $99,999.99 | 1.900% | 1.91% |
| Balance over $99,999.00 | 1.900% | 1.91% |
Minimum Deposit $5,000
**Annual Percentage Yield. Fees imposed could reduce earnings.
*** Variable Rate Accounts: Rate may change after account is opened.
PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY