Home  |  Contact Us  |  FAQ  |  Careers  |  Investor Relations  |  Locations and Hours
Routing Number:  051403957


Photo of a house with SOLD signCarter Bank & Trust offers personal and business loans. In addition to fixed and variable rate mortgages, personal loans include secured and unsecured loans for financing automobiles, home improvements, and investments.

Business real estate loans include land acquisition and development, construction, and mortgages that are primarily secured by real estate. 

Personal Loans


  • Monthly payment loans for the purchase or refinance of personal vehicles.
  • Examples include cars, trucks, and SUVs.
  • Various terms available.
Home Improvement
  • For renovation, remodeling, repair or constructing additions to existing single-family residences.
  • Examples include a new roof, garage or deck; the remodel of a kitchen or bathroom; or the addition of living space.
  • For investment or personal expenditures.
  • Flexible terms available.
Real Estate
  • For the purchase, construction, refinance, or cash-out equity of primary residences.
  • Examples include single-family primary residences, condominiums, townhouses, and vacation homes.
  • Various terms available.

Photo of man and African American woman dressed in business attire wearing hard-hats and shaking hands.

Business Loans


  • To finance the acquisition, conversion of construction to permanent, or to refinance an existing building.
  • Terms available include 1 to 20 year amortization, competitive fixed and adjustable interest rates.
  • For owner occupied or income producing properties.
  • For the construction of a building or other improvements to a property.
  • Examples include hotels, anchored shopping centers, and multi-family developments.
  • Construction loans with permanent take-out.
  • One time closings.
  • Designed for owner occupied or income producing properties.
  • To finance the production of commodities or agricultural equipment used in servicing and processing commodities.
  • Commodity examples include crops, livestock, and dairy operations.
  • Agricultural equipment examples include mills, gins, warehouses, and implement dealers.
Land Acquisition and Development
  • For the borrower who intends to convert the land into improved real estate. Required documentation includes: government approvals, water and sewer authority service agreements, permits, and final site development plans.
  • Examples include hotels, anchored shopping centers, industrial properties, and farms.
Small Business
  • Flexible and usually secured by commercial equipment or vehicles.

Photo of young girl holding Christmas packages
Christmas Clubs 2018
Available Now!
Photo of man typing on his computer
Employment Opportunities
Graphic of a telephone
Telephone Banking
24/7 Access!