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Personal loan solutions

Personal Loan Solutions

Sometimes to acquire life’s extras, you need to borrow money. With smart choices from CBT Bank, you’ll find a borrowing option that makes payments affordable. Our Loan Officers understand our local markets and are qualified to match specific loan products to your needs. GEOGRAPHIC TRADE/LENDING AREA The Bank’s primary trade area is defined as all counties in which Riverview Bank and its operating divisions maintain a branch location. The Bank’s secondary trade area includes the contiguous counties surrounding those counties. Riverview Bank NMLS #654941. Credit subject to approval.

Personal Installment Loans

When you want the simplicity of paying for a purchase in fixed monthly payments, our fixed rate installment loans are just what you need.


Personal Lines of Credit

Perfect for overdraft protection and for those occasional unexpected expenses, personal lines of credit offer the ability to borrow the amount you need, when you need it.  Ask your local branch for more information.


Auto Loans

CBT Bank offers New and Used Vehicle Loans, through dealer-arranged financing, for a wide range of vehicle types, including motorcycles. Rates and Terms vary based upon the age of the vehicle.



CBT Bank offers both conforming and non-conforming mortgages to provide the greatest range of choices and competitive rates.  Conventional Fixed Rate and Adjustable Rate Mortgages are available.  Count on CBT Bank for all your residential mortgage needs, including:

  • Construction Mortgages
  • First Time Homeowner Products
  • VA Loans
  • USDA Loans
  • FHA Loans
  • Jumbo Loans
  • Blanket Mortgages
  • Mortgage Refinance
  • Swing Loans
  • Lot Loans

Meet with one of our knowledgeable local mortgage officers for a pre-qualification. Conveniently apply online today through our mortgage application link or call for a personal, one-on-one appointment and get started today!


Kristi Rich
Assistant Vice President, Mortgage Loan Originator NMLS# 1436483
Phone: 814-762-8876
Cell: 814-245-4752

Patricia Wierman
Mortgage Loan Originator, NMLS# 403710
Phone: 814-793-0912
Cell: 814-289-6251


Mortgage Calculator

Loan Amount:
Interest Rate:

Est. Monthly Payment:
*The accuracy of payment calculator is dependent upon the accuracy of input, therefore CBT Bank is not responsible for calculator results.


Home Equity Loans

Your home may be your biggest investment and the most valuable when it comes to borrowing money. A Home Equity Loan can be used for debt consolidation, education, home improvement, major purchases – just about anything you can imagine. And because the loan is secured by your home, interest may be tax-deductible (consult your tax advisor.)

Home Equity Installment Loan

  • Fixed rates, with fixed monthly payments
  • Terms from 5 years to 15 years with fixed interest rates
  • Fixed monthly payments to fit your budget
  • .25% discount for automatic draft of your loans payment from a CBT Bank checking or savings.

Home Equity Line of Credit

  • 20 year Home Equity Line of Credit, fixed rate for first 4 months and variable thereafter
  • Initial 10 year interest-only draw period gives you maximum flexibility
  • Plus 10 year repayment period allowing you to pay back loan in monthly installments
  • .25% discount for automatic draft of your loan payment from a CBT Bank checking or savings.

All loans subject to credit approval.




Personal Banking Solutions