We have A Lending Product
That is Right For You!

Cullman Savings Bank (CSB) does not discriminate against any applicant for credit on the basis of race, color, religion, national origin, sex, marital status, age, child bearing capacity or applicant's receipt of public assistance benefits. All decisions are made locally. We will process loan applications as quickly and as fairly as possible. We do not sell or transfer loans to other lenders. We do not charge discount points on any loans.

Fixed Rate Loan terms of up to 30 years are available. On Adjustable Rate Loans, applicants may choose either the "T-Bill index" or the "Cost of Funds Index," with a maximum term of 30 years. The initial rate would remain fixed for either 5 or 10 years, at the applicant's option. Qualifying low- to moderate-income families and first time home buyers may receive discounts. 2nd mortgage loans are offered at competitive rates.

Our home equity lines allow you to easily tap into what is probably your most valuable asset: your home equity! They feature a fixed interest rate for five years and will allow you to access funds by writing a check or using a debit card. Interest paid on these loans may be tax deductible. Our loan officers will be happy to quote rates and terms for your particular needs.

Fixed or Adjustable Rate Commercial Real Estate Loans are available for a maximum term of 15 years.

CSB finances new automobiles for up to 60 months and used automobiles for up to 48 months. We also offer financing on tractors, personal water craft, farm equipment, recreational vehicles, motorcycles and much more.

Residential Construction loans are available on owner- occupied homes with a maximum term of 9 months.

Loans secured by qualifying deposit accounts are available at two (2) percent above the interest rate earned on the deposit account.

Unsecured loans are available for qualified borrowers.

Note: Currently Cullman Savings Bank will only consider loan applications from persons living in Cullman County and the adjoining counties. To expedite your loan processing, please bring the following information with you to our office: Recent tax return or W2 forms and pay stubs, and any of the following that may apply: Copy of Deed, Abstract of Title, Sales Contract (for purchase only), Land Survey, Car Title. A loan specialist will assist you with the application process. If you don't see a loan product to suit your needs, please contact us for information on additional offerings.

Important Information about Procedures for Opening a New Account

Identification Procedures Requirements: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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