Skip to content

Scheduled maintenance will occur during the afternoon and evening hours on Saturday, July 19.
During this time, Online Banking, Mobile Banking, and Automated Telephone Banking will be unavailable. We apologize for any inconvenience.

Attend a free seminar to learn the tools of a proper estate plan so you can choose the right path for you and your loved ones.

Get Started 863-222-7005

Home Equity Lines of Credit

Hurricane season is unpredictable. Your finances shouldn’t be.

A Home Equity Line of Credit (HELOC) with a no-cost closing gives you access to funds when you need them most.

CBT HELOC

A Home Equity Line of Credit (HELOC) can be used for storm-proofing your home, covering emergency expenses, handling unexpected repairs, and more. 

Don't wait until it's too late. Start your HELOC application online today!

Apply for a Home Equity Line of Credit with a no-cost closing. With a HELOC, the options are almost endless.

Checklist of Required Documents and HELOC Disclosures

Loans subject to credit approval. NMLS #406389

What Can a HELOC Be Used For?

Artboard 9@2x-2-1

Smart Borrowing for Home Protection

Use your home’s equity to invest in storm shutters, a generator, a new roof, or other upgrades that can help protect your property and save on repairs later.

Artboard-2024-icon-medical-office

Peace of Mind Before the Storm

Prepare confidently knowing you have a financial safety net in place for emergency supplies, evacuation costs, or unexpected expenses.

Artboard-2024-icon-trust

Access to Funds When You Need Them

A HELOC gives you flexible access to cash, so you’re ready to respond quickly before, during, or after a hurricane.

Artboard 19@2x

Remodeling

Whether you need to upgrade the kitchen or bathroom, or add a garage, a HELOC can fund the project from start to finish.

Artboard 20@2x-1

Swimming Pool or Patio

Backyard BBQs will never be the same with a new swimming pool or patio. Use a HELOC to cover all the costs, including a new grill.

Artboard 24 copy 2@2x-1

Major Life Events

Pay for a wedding, higher education, dream vacation or other major life event.

Artboard 24 copy 3@2x-1

Higher Interest Debt

Pay off higher interest debt. Consider consolidating higher interest debt such as credit cards.

Artboard 24 copy 4@2x-1

Unexpected Expenses

Cover unexpected expenses. Use a HELOC to repair a leaky roof or replace your worn out air conditioning unit.

Blog

On Our Minds

 Line graph illustrating the highs and lows of self-reported wellbeing starting at age 18 thru 85 years.

Chart of the Day: Age 52 Then Happier

July 17, 2025

Today’s Chart of the Day, based on a Nielsen survey, shows the changes in the level of self-reported wellbeingon a scale from 1-10, by age.

 Bar graph ranking the answers to the question, When I think about my child’s experience growing up, I wish _____ had never been invented.

Chart of the Day: Wish This Was Not Around

July 15, 2025

Today’s Chart of the Day, “We Don’t Have to Give in to the Smartphones,” is from a New York Times article.

 List ranking the top 15 wealthiest individuals on the planet, showing total net worth, YTD $ change, country of origin and which industry they're in.

Chart of the Day: Top 15 Individuals

July 10, 2025

Today’s Chart of the Day is from Bloomberg’s Billionaires Index, listing the 15 wealthiest individuals on the planet.