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Lines of Credit

A line of credit is like a rainy-day fund—for any kind of weather. In a nutshell, it’s money on demand you can count on for a planned expense like remodeling your kitchen, or an unexpected cost like a new furnace.

Here’s how it works: We agree on a preset amount to lend you. You can take money out of your line of credit anytime, up to the maximum amount. Of course, you’ll pay a low interest rate on the money you borrow—but only on the amount you borrow.

Best of all, a line of credit is flexible and renewable. Flexible: You can withdraw any amount, anytime, and pay it back in installments of any amount above the monthly minimum. Renewable: After you repay the money, you can borrow it again, over and over.

To have a loan officer contact you, please fill out the form below.


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Thank You

Thank you for contacting Community Bank, N.A. Our team will respond to your inquiry as quickly as possible during regular business hours.

ChekCredit

We’ve got you covered. With a ChekCredit overdraft protection line of credit, we’ll cover the difference if there’s not enough money in your checking or debit account for a withdrawal or payment. Available in lines of credit from $500-$5,000.

Advantage Line

The ultimate in flexibility, accessibility and renewal-ability. While renewal-ability may not be a real word, access to a revolving, flexible cash flow is very real and a sweet deal. Available in lines of credit from $5,000-$25,000.

Home Equity Line of Credit

Home is where the heart is, and it’s also where you’ll find serious purchasing power. With a home equity line of credit, you can borrow against your home for pretty much whatever you want, whenever you want.

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Customers can apply online for unsecured loans here, or call your local branch for information on loan rates, offers and how to begin the application process.

Payment options include the following FREE payment methods:

  1. Pay in person at any of our branches.
  2. Mail payments to: P.O. Box 628 Olean, NY 14760.
  3. Pay online through your online banking account that came with your loan.
    • If you have a CBNA deposit account with us, you can utilize our bill pay service. Learn more here.
    • If you have a CBNA deposit account with us, you can set up a one time or reoccurring transfers from your deposit account to your loan.
    • If you only have a loan with us, you can set up bank to bank transfers from your primary bank.
    • Don’t have your online account set up yet? You can get started by clicking here, or visiting cbna.com and clicking “Enroll” in the login box.
  4. Set up bill pay from your primary bank's online banking platform.

Additional payment options are available, but convenience fees may apply.

This is an interest rate that changes over time because it is based on an index. This means that payments may increase or decrease depending on the change in rate.

A repayment period is the period of time in which you make payments (principal plus interest) toward the balance owed.

This is the period of time in which you can access the funds available in your line of credit.

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Mortgages
Save on your new home from day one

With a no closing cost mortgage, you can save thousands of dollars in upfront expenses.

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Loan Options
Put your home’s equity to work

Home equity loans and lines of credit are a smart way to pay for major home improvements, renovations and upgrades.

BANKING YOU CAN COUNT ON

Better banking starts with trust—and we’re honored to be recognized for it.

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Please enter your zip code then select a location from the options shown. You will then be taken to the full form. Thank you

Enter your address
GO

Locations near ${locationSelectionSearchedAddress}
Select Your Branch Below

Select Your Branch Below

${location.address1}
${location.address2}${location.phone}View Branch Details

No locations found. Please enter a specific address.

See more locations and details