Securing a consumer loan, secured or unsecured, with us provides you with options. Our goal is to save you thousands of dollars on interest payments when you get in a bind. Loans may be as small as few hundred dollars to pay-off your credit cards at lower interest rates to large amounts for various investments or personal expenditures, bill consolidation, and unexpected medical or repair bills. We will consider loan requests for any reasonable purpose.

  • Flexible terms are available.
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Your home may be your largest personal investment, so we want to do our part to help you make needed repairs, remodel or add more space with an addition to your home. As your financial partner, we have home improvement financing options that can provide you with a peace of mind.

Dependent on the size, our home improvement loans can be secured or unsecured.

Carter Tip: Consider taking the following steps, or a version of these steps, so that you are prepared to make informed financial decisions regarding your home:

  • Get several estimates from contractors, or subcontractors if you plan to manage yourself, to determine projected expense and anticipated length of time to complete.
  • Use these estimates and timelines as a guide to budget and establish a schedule to pay off the loan.
  • Visit one of our branches to speak with an experienced banker to explore your options to fulfill your home improvement needs.
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Competitive mortgage financing is here in your community, not thousands of miles away with someone you’ll never meet. Home ownership opens the door to a sense of pride and a connection to your community. We offer decades of experience in the mortgage lending arena and, unlike the “online” and “out-of-town” lenders, we know the local real estate market and the industries that drive the economy.

Like you, we live and work here. So, we take a straightforward approach because you aren’t just transactions to us. You’re our neighbor and we want to build a lasting relationship with you. We understand that buying a home can be a stressful process. It’s our job to be your trusted advisor, manage your expectations, and get you the keys to your new home quickly with the financing that you can afford. For us, it’s all about you and it’s just that simple.

We offer several types of real estate loans, including:

  • Conventional Loans
  • FHA Loans
  • USDA Loans
  • VA Loans
  • Portfolio Loans

The perfect home. The right financing. It’s all here at Carter.  For more information about our mortgage loans or to contact a mortgage specialist, visit our mortgage page.

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Family gathered on the floor

Everyone wants reliable transportation for work, routine tasks, emergencies and leisure activities. Since many of our communities are in rural areas that lack public transportation, we work hard to help you afford your desired vehicle with decisions made in a few hours, same-day funding in many cases and competitive rates. Vehicle financing options include:

  • New car loan
  • Used car loan
  • Lease buyouts

Visit one of our branches to speak with an experienced banker to explore your options.

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All loans are subject to credit approval.

A Carter Bank & Trust Construction-To-Permanent Loan lets you build and finance your primary residence or vacation home all with ONE LOAN, ONE CLOSING and ONE RATE!

  • One-time closing
  • Up to 90%* Financing Available
  • Interest Only Payment during the Construction Phase
  • Permanent Rate Established at Loan Application
  • Same Rate for All Phases of Construction
  • Fixed and Variable Rate Loan Solutions


Visit one of our branches to speak with an experienced banker to explore your options.

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*With Single Premium Mortgage Insurance

All loans are subject to credit approval.

The calculators on our website are provided for informational purposes only. Carter Bank & Trust and its affiliates disclaim any warranties, endorsement or representation, express or implied, related to these resources.

Frequently Asked Questions