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What makes CNB lending different?  Whether you are applying for a loan online or in a branch - your loan will be processed and decisioned locally. We offer competitive interest rates for auto new/used, home improvement, home equity and personal loans. 

CNB Loan Solutions:

  • Home Equity - Put the equity in your home to use with one of our home equity solutions.
  • ChexMate - Overdraft protection for your checking account.
  • Auto and Recreational Vehicle Loans - Flexible loan amounts and terms, fixed interest rates.
  • Personal/Debt Consolidation - Pay off your debt and reduce your monthly payments.
  • Home Improvement - Convenient financing for all of your home renovations. 
  • Personal Credit Cards - Apply here for a Maximum Rewards®, Platinum Edition® or Secured card. 

Subject to credit approval.


Local Decision Making

Local Loan Processing.

We make our loan decisions locally and are able to work quickly to meet your needs. We offer an online application that is fast, easy, and secure - apply anytime!

Customer Service  

Exceptional Customer Service

Seasoned Professionals.

Our experienced bank office representatives are available to assist you in applying for any of our loan products. They can guide you in the right direction and get you the right loan.


We Reward Relationships

Loan Discounts with Checking Account Relationship.

CNB wants to bring the most benefit to our customers and their relationship with us.  Receive a consumer loan discount when you establish recurring automatic loan payments from a CNB personal checking account.*

Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community. With local decision making and loan processing, your experience will be swift & simple. We offer competitive interest rates for home equity loans, auto loans, debt consolidation, home improvement loans, and more.

*Loan discount is based on the qualified personal checking account where the account holder has either a Tax Owner or Non-Tax Owner relationship and is a borrower/co-signer/guarantor on the applicable loan. Discount does not apply to Savings Account or CD Secured Loans, Airplane Loans, Time Notes, ChexMate Overdraft Lines of Credit, Wealth Lines of Credit or loans originated by the CNB Mortgage Company. Loan discounts limited to one discount per loan and will be applied at the time the recurring automatic loan payment is established and will be based on the account type from which it is drawn. The Loan discounts will not be modified after original discount is applied, with the exception of adjustable-rate products.

Deposit products - Member FDIC