Auto Loans

Got your eyes on a new set of wheels? Our auto loans provide competitive interest rates and flexible terms for qualified buyers. Approval is quick and easy. Your loan can usually be processed while you wait. Call any of our branches for further information or to set up an appointment.

Loan Application (Printable)

Credit Cards

You probably get a couple of credit card applications every week! At Bank & Trust Company, we do not mass market our Visa* credit cards. Instead we offer them to our established qualified customers. No low introductory rates or other catches to get you to switch from here to there and back again. Just an honest to goodness competitive rate and great service. Simply call or come in to any of our branches to obtain an application or click here to apply.

* Variable Interest Rate

Home Equity Line of Credit

Need some money to buy a car, pay tuition, or remodel a kitchen? Once your home equity line of credit is established, it is as simple as writing a check.

“Cash in” on the equity in your home with a home equity line of credit from Bank & Trust Company. Interest rates are variable and have a ceiling to provide protection against possible future rate increases.

Home Equity Loan

Bank & Trust Company can provide a fixed rate second mortgage for financing home improvements and many other needs and may provide you with a tax advantage (consult your tax advisor regarding deductibility of interest). Flexible repayment terms allow us to tailor a plan to meet your needs. Call any of our branches for further information or to set up an appointment with a mortgage professional.

Mortgage Loans

Whether you are purchasing your dream home, refinancing to a lower rate, or simply looking to cash out some equity in your home, Bank & Trust has a mortgage solution to fit your needs.

We retain the servicing rights on our mortgage loans, so your payments can be made and questions answered locally at any of our branches. And our closing costs are among the lowest in our service area.

We offer various fixed and adjustable rate mortgages to meet your unique needs. Call any branch for further information or to set up an appointment with a mortgage professional. Click here for NMLS Registration Number of Loan Officers

Equal Housing Lender

Residential Loan Application

Construction Loans

We have construction loan options to meet your needs:

  • Simplicity – We'll walk you through every step of the application and approval process to make it easier for you.
  • Flexibility – Available as fixed-rate and in jumbo amounts. Increased purchasing power – You can make interest-only payments during the construction period.

Personal Loans

Got good credit, but are in a temporary pinch? You may want to talk to us about a personal loan. We can tailor a payment plan to help you get back on track. Loans can be approved and processed while you wait in most cases. Simply call or come into any of our branches to obtain an application.