HELOC/Lines of Credit

A home equity loan or line of credit allows a homeowner to use the equity in their home as collateral. It provides convenience to access the available funds when needed. Home equity loans are typically used to finance major expenses such as: 

  • Home repairs
  • Remodeling expenses
  • Bill consolidation 
  • Auto or boat purchase
  • Medical expenses
  • College education 
  • Home Equity Loans 


Home Equity Loan

Bank of Cadiz & Trust Co. offers a home equity loan available to qualified applicants. The size of the loan is determined by the amount of equity in the home and is subject to normal underwriting guidelines. These types of loans are referred to as a second mortgage or junior lien. 

Home Equity Lines of Credit

Our Home Equity Line of Credit offers a flexible source of funds and repayment terms to meet future borrowing needs. We offer a line of credit tied to the New York Prime Rate as published in the Wall Street Journal. The interest rate can be adjusted daily or annually. Specific information regarding rates and terms can be provided by any our lenders. 


Apply Online

Contact one of our lenders today!

Cadiz Office:
Pam Alexander, Assistant Vice President 
NMLS ID # 759398
Phone: 270.522.2146
Fax: 270.522.6234
Located in the Main Office 
79 Main Street, PO Box 2020, Cadiz KY 42211

John Durden, Assistant Vice President
NMLS ID # 759397
Phone: 270.522.2147
Fax: 270.522.6234
Located in the Main Office 
79 Main Street, PO Box 2020, Cadiz KY 42211

Matt Cothran, Assistant Vice President 
NMLS ID # 759399
Phone: 270.522-2150
Fax: 270.522.6234
79 Main Street, PO Box 2020, Cadiz KY 42211

Hopkinsville Office:
Katherine Latham, Assistant Vice President 
NMLS ID # 753971
Phone: 270.886.2019
Fax: 270.885.3195
2808 Ft. Campbell Blvd, Hopkinsville KY 42240

Murray Office:
Lisa Shoemaker, Vice President 
NMLS ID # 1015098
Phone: 270.767-8827
Fax: 270.759.4986
307 North 12th Street, Murray KY 42071


Online Banking & Bill Pay

Easy Convenient Access to your money!
Anytime! Anywhere! 

Tell me more