Loan Department (256) 734-1740


Cullman Savings Bank offers a variety of options for loans.  Whether you are buying your first home, a new car or making home improvements, we hope we can be your bank!  When it comes to mortgage loans, our staff is knowledgeable and committed to finding the perfect fit for your situation.  We offer traditional bank financing as well as FHA, VA and other loan programs.  We strive to be your “one stop shop” for mortgage financing.  We started out making home loans over 100 years ago and are still committed to offering the best in home lending to our community today.

Home loans, personal loans, home equity lines of credit, construction loans and commercial loans are just a few ways we can help be your bank.  Please call one of our knowledgeable loan staff members today for assistance with any of your credit needs.


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. We will process loan applications as quickly and as fairly as possible.

Rates and terms are subject to change. Normal underwriting guidelines apply. All loans are subject to credit approval.

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.