Home  /  Personal Banking  /  Loans & Mortgages

Personal Loans


Maybe you are thinking of consolidating bills, or perhaps you would like to go on that exotic vacation you have always wanted to take. Whatever your financial needs may be, Citizens Bank of Morgantown has a Personal Loan to meet your needs.


Vehicle Loans


Whether you need a loan for a new or used car, you can rely on Citizens Bank of Morgantown to help you get behind the wheel sooner. We offer competitive auto loan rates with flexible terms to accommodate your monthly budget.


Recreational Loans


Just because we are a bank doesn’t mean we don’t know how to have fun. We want you to be able to play as hard as you work, and can help you pay for it with low cost financing to make it happen. Whether you’re looking for a boat, motorcycle, RV, or anything else, we can give you the help you need.




Our Mortgage Products offer a variety of alternatives whether you are looking to purchase a new home or refinance an existing one. Getting a mortgage doesn't have to be confusing. We'll explain each step of the process and show you how to narrow your options and find the best mortgage available. A Citizens Bank of Morgantown Mortgage Product gets you into your new home fast!


Home Equity Lines and Loans

Citizens Home Equity Loans

Home Equity Loans give you fixed rates and low costs. There are two types to choose from:

  • Home Equity Loans The ideal solution for a one-time borrowing need. Citizens offers competitive low fixed rates with fixed terms.
  • If you know the amount you want to borrow and want a fixed rate over a fixed period time, then a Home Equity Installment Loan is right for you.

Citizens Home Equity Lines of Credit

Home Equity Lines of Credit give you low rates, flexibility and convenience.


Home Equity Personal Credit Line

An open-end line of credit secured with the equity in your home. You also get:

  • Low rates
  • No application fee
  • Tax deductibility
  • Check Access
  • 10 year draw term

Enjoy the flexibility of a line of credit and borrow how much you need (up to approved amount) and when you need it without reapplying. A Home Equity of Line of Credit works like a checking account because you write checks to access your credit line. You are only responsible to make a monthly payment when you have an outstanding balance.