Buying a home is a big decision. Avenue Mortgage, a division of CIBM Bank is here to give you the right choices.


Put your equity to work for you. With many benefits, our product options are the better way to finance.


Finding a car loan with competitive rates can be as easy as applying at Central Illinois Bank. We are here to help you finance your vehicle.


Personal loans come in a variety of shapes and sizes. Just let us know what you are looking for.


Are you looking to purchase an RV or Boat? Central Illinois Bank can help you finance those dreams.


With five different cards to choose from, we have the perfect credit card for you.


We are pleased to offer full service mortgage planning through Avenue Mortgage, a division of CIBM Bank. If you are buying a new home or considering a mortgage refinance, contact your Personal Banker.

  • Competitive Rates
  • Flexible Terms
  • Staff you can trust and depend on
  • Close your loan with ease and peace of mind

View a list of our Federally registered Mortgage Loan Originators.

Home Equity Loan Offer

Home Equity

If you own your own home, your best source of borrowing is right where you are. We offer two different options that allow you to utilize the equity you have in your home. We offer both fixed rate home equity loans and home equity lines of credit. We can transform that equity to help you:

  • Finance Home Improvements and Projects
  • Consolidate Debt
  • Purchase a Vehicle
  • Prepare for Unexpected Expenses
  • Manage Your Personal Cash Flow
  • Satisfy Other Financing Needs

View a list of our Federally registered Mortgage Loan Originators.

*Annual Percentage Rate (APR) effective 7/1/18. Applications taken through 10/31/18 and closed by 11/30/18 guaranteed advertised rate with automatic payment enrollment from a CIBM Bank checking account. Customers may qualify for 3.49% APR with new home equity account without automatic payment from a CIBM Bank checking account. If applicable, customers may qualify for credit (up to $250) towards early HELOC account closure fee at another financial institution. CIBM Bank closing fees waived for home equity lines of credit up to $100,000 and range from $400-$2,000 for loans $100,000 or greater. Minimum loan amount $5,000. Offer available for owner occupied primary residences only and are subject to credit approval. Advertised rate applies to new home equity credit accounts and refinances with line increases of $10,000 or greater. Property insurance and flood insurance (if applicable) required. Rate after twelve months will vary and is based on credit history, Loan to Value, and tied to Prime. Non-promotional rates as of 7/1/18 vary from 5.75-18.00% APR. Maximum APR will not exceed 18.00%. Early termination fee of $250 will be assessed if credit line is closed within 24 months. (Early termination may not be applicable in all states.) Consult a tax advisor regarding the deductibility of interest. All terms and conditions of this offer are subject to change at any time without notice. Under certain circumstances access to credit can be frozen, reduced or terminated.

Auto Loans

Central Illinois Bank has options for you whether you are looking to purchase a new car, your dream car, or finance your next vehicle.

  • Competitive Rates
  • Personal Service
  • Automatic Payment Options
  • Manage Your Loan Online

Personal Loans

When you need extra money but don’t want to draw on your savings and investments, talk to us about a personal loan. We offer a variety of secured and unsecured loans at competitive rates. Some of the options include:

  • Unsecured Personal Loans
  • CD Secured Loans
  • Savings Secured Loans
  • Money Market Secured Loans
  • Stock Secured Loans

Specialty Loans

Central Illinois Bank offers loans for some of those bigger special purchases that will allow you to finance the expense, so you can start enjoying the purchase right away. These options include:

  • RV Loans
  • Boat Loans

Credit Cards

We have the card for you. Central Illinois Bank has partnered with Elan Financial Services – one of the largest and most experienced Visa card issuers in the nation – to provide you with an excellent range of credit card services and benefits. We offer a variety of options; whether you are looking for a card that earns rewards, a card to help you build credit, or something in between, we have the right credit card for you.

  • Visa Signature Bonus Rewards Card
  • Visa Signature Bonus Rewards PLUS Card
  • Visa Platinum Card
  • College Rewards Visa Card
  • Secured Visa Card

Existing cardholders may click here to access their accounts.