Citizens Deposit Bank & Trust : Citizens Deposit Bank & Trust
Second & Main Street
Vanceburg , KY 41179
Featured Home Equity Rates in Kentucky
Intro APR : 6.990 %
After Intro: 6.990 %
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Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period
NMLS ID: 1464945 /
Updated 2025-03-14
The leader for homeowners tapping cash from their homes since 2016.
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Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).
Home Equity Loans & Refinance – Cash out
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Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business
Cash-Out and Home Equity Options Available.
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Home Improvement, Buy a Vacation Home
303k+ positive reviews, A rating from the BBB
Pay off higher interest rate credit cards, Pay college tuition
100% online mortgage application available
Home Equity Line of Credit - Equal Housing Lender
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Home Equity Line of Credit - Equal Housing Lender
Loans Amounts from $25,000 - $500,000
Get a HELOC from PenFed to Put Your Home Equity to Work
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates in Kentucky
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Use your VA Loan benefits to get cash from your home equity
Get a personalized quote fast with instant uploads and 24/7 access
Over 300,000 verified 5-star reviews
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0% down payment USDA Loan options
Prequalify with 620+ credit score
No PMI, save on monthly costs
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We Approve Credit Scores Down to 500
Self Employed Bank Statement Loans
Investor Loans - DSCR - Cash Out
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2025 FHA Loan tools and resources
Find answers to your mortgage questions
Easy to qualify, no obligation
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Down Payment and First-Time Homebuyer Programs
Offering Conventional, VA, & FHA Loans.
Online Mortgage Application and Live Agents Available
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Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
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Apply in less than 10 minutes.
Fast, stress-free closing in as little as 14 days
More loan types so you’re more likely to qualify
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As low as 0% down payment in Kentucky
Minimum 620 credit score needed to prequalify
96% of borrowers would recommend Neighbors Bank
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
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