Are You Prepared?
Get expert advice to help ensure and protect your financial legacy at our free educational seminars.
Charlotte State Bank & Trust will never call you to ask you to verify or provide your full account number, username, password, debit card number, PIN or Social Security number. If you receive a call requesting this information, even if the caller ID looks like it is coming from the bank, immediately hang up, and call us at 888-624-5454.
Unleash Your Possibilities

Do more with your home’s equity.

Put your home equity to work. Improve your home or pay for other large expenses with a home equity line of credit.

Loans subject to credit approval.  NMLS #477000

What can a HELOC be used for?


Add on to your house, such as by building a garage. Or do more with what you have already, such as by renovating your bedroom, kitchen or bath. You can fund large projects from start to finish.

Swimming Pool or Patio

Take your backyard BBQs to a higher level. A HELOC can cover the costs of building a swimming pool or patio. You can even buy a new grill.

Start your HELOC application online today!

Unleash the power of your home's equity. With a HELOC, the options are almost endless.

Checklist of Required Documents
and HELOC Disclosures

Apply Online


Charlotte State Bank & Trust offers a variety of home loans. Our experienced lenders will help you find the right loan for yourself.

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Consumer Loans

Whether you want to invest in home improvements or hit the road or water, Charlotte State Bank & Trust can help you attain your goals with a consumer loan.

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