Personal Loans

At Ciera Bank, we understand that life's opportunities and challenges often require financial flexibility. Whether you're planning a major purchase, consolidating debt, or covering unexpected expenses, our personal loans are designed to provide you with the support you need.

Explore our range of personal loan options, including competitive rates, flexible terms, and personalized service from our experienced team. We offer loans for various purposes, such as home improvements, medical expenses, vacations, and more. Our goal is to make the borrowing process as straightforward and stress-free as possible.

With Ciera Bank, you can count on transparent terms, quick approvals, and a commitment to helping you achieve your financial goals. Let us help you find the right loan to fit your needs and make your dreams a reality.

 

Mortgage Loan

Purchasing, building, updating, or borrowing against your home are all very important decisions. Ciera Bank has a highly experienced staff that is ready to guide and assist you with the information you need to make well-informed decisions. We offer many loan options designed to help you accomplish your home loan goals, such as:

  • Conventional Loans

  • Primary or Secondary Home Loans

  • Jumbo Loans

  • Residential Lot Purchases

We will assist you in choosing the right mortgage product for your specific needs and circumstances and will guide you through the loan process.

Interim Construction & Home Improvement

A construction loan provides you with the money necessary to build your new home from start to finish. With a construction loan from Ciera Bank, you will be able to pay your builder in stages based on the progress of construction.

  • Loans may include the purchase price of the lot

  • Only pay interest on the amount you draw

  • No prepayment penalties

 

Home Equity -Terms and Lines of Credit

Use the equity in your home to pay for home improvements or other major expenses by getting a Ciera Bank Home Equity Loan or Home Equity Line of Credit (HELOC).

Home Equity Term Loan

  • Installment loan in which all funds are advanced in one lump sum

  • Secured by first or second lien on your home

Home Equity Line of Credit (HELOC)

  • Have revolving access to funds during the draw period

  • Make interest-only payments during the draw period

  • After the initial draw period ends, the outstanding balance will be paid based on the remaining amortization period using monthly payments of principal and interest

  • Secured by a first or second lien on your home

 

Personal Lines of Credit (PLOC)

A personal line of credit is very similar to a credit card, without actually being one. Rather, it’s a revolving account (variable interest rate) giving you short-term freedom to cover your bills/obligations or even pursue any number of consumer interests like buying new furniture for your home or taking a vacation. The money is yours to use as you please.

 

Auto / Boat / RV Loans

Looking for a new car, boat, or recreational vehicle? We have financing options available to ensure you hit the road (or the water) with ease.