Consumer Loans

Residential Real Estate Mortgage Loans

As we venture through life, many of us will buy more than one home for the purpose of upsizing, downsizing or even relocating to fit the needs of our career or family. At Citizens Deposit Bank, you can select from a variety of fixed rate and adjustable rate mortgage loan programs that will you suit your needs and budget.

  • Low Closing Costs
  • Competitive Interest Rates
  • Flexible Repayment Terms
  • Amortization Period Up to 30 Years
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Residential Construction Loans

Whether you are building your primary residence or a second home, let us help. We have an extensive amount of experience and will establish a draw schedule that meets the financial needs and requirements of you and your contractor. And with a construction-permanent loan, the process is efficient and convenient.

  • Low Closing Costs
  • Competitive Interest Rate
  • A 12 Month Draw Period
  • Interest Only Payments During Construction
  • Automatic Conversion to Permanent Financing….No additional Fees or Charges
  • Amortization Period Up to 30 Years

Recreational Land Loans

Enjoy the great outdoors? As you enter into Appalachia, you will find an abundance of timberland and wildlife including some of the best whitetail deer and turkey hunting in the state of Kentucky. So, whether you like to hunt, ride ATVs, camp or just simply enjoy being outdoors with family and friends let Citizens Deposit Bank finance your retreat.

  • Low Closing Costs
  • Competitive Interest Rate
  • No Tract Too Big or Too Small
  • Flexible Repayment Terms
  • No prepayment penalty

Home Equity Lines of Credit

Put the equity in your home to use! A Home Equity Line of Credit (HELOC) is perfect for home improvement projects such as building a deck, installing a new HVAC unit, purchasing new furniture and appliances or just giving your home a face lift. And that’s not all, use your HELOC to consolidate debts, pay off high rate credit cards, pay for college tuition and almost anything and everything you need or want. With total flexibility, you can draw and pay on the line at any time.

As with any home loan, there are potential tax savings. However, you should consult with your CPA or tax advisor regarding the deductibility of the interest paid.

Personal Loans

Buying a new car? Purchasing a motorcycle? Citizens Deposit Bank offers a wide variety of personal loans that can be used to purchase new and used autos, ATVs, motorcycles and much more. We also offer signature loans that can be used to purchase household goods and pay off credit cards.

  • Competitive Interest Rates
  • Discounted Interest Rate for Automatic Funds Transfer (ATF) from a deposit account
  • Flexible Repayment Terms
  • Up to 45 Days Before First Payment
  • No Prepayment Penalty

To answer any of your questions, call on one of our mortgage specialists today.


Elizabeth Cooper Brooksville 606-735-2959
DiAnn Harlow Eminence 502-845-5639
Donnie Young Eminence 502-845-5639
Denise Sigmon Ft. Wright 859-344-7860
Glenna Lehn Garrison 606-757-4784
John Carpenter Maysville 606-564-8900
Valerie Grigson Mt. Olivet 606-724-5403
Diana Prater Tollesboro 606-798-6111
Marty Cole Vanceburg 606-796-1033
Kody Willis Vanceburg 606-796-1014
Ammon Cooper Maysville 606-564-8900
Genie Insko Maysville 606-564-8900
Jane Muehlbauer Maysville 606-564-8900
Melissa Maddox Maysville 606-564-8900
Charles Herald
Connie Ross


Terri Taylor Ironton 740-533-4505
Brian Fletcher Ironton 740-533-4508
Vernon Turvey Ironton 740-533-4512
Kelly Silvers Proctorville 740-886-2500

West Virginia

Sandra Lester
Huntington 304-399-1330