We offer a variety of loans to our customers. Whether your loan needs are business or personal, large or small, long-term or short-term, we are ready to talk with you about how we can meet your needs. Let us help you find financing appropriate to your situation.

Personal Loans

We welcome applications for personal loans to pay bills, medical expenses, or other personal needs. Please check with one of our qualified loan officers for assistance.

Installment Loans

We are eager to provide financing for the new car, boat, or other major purchase you have in mind. We offer competitive rates and terms.

Consumer Real Estate & Home Improvement Loans

Whether you're buying a new home or adding to your existing property, we can provide the loan you need. We have a solution for you, whether you prefer our in-house mortgage financing or long-term financing through our affiliated mortgage company. Just ask one of our loan officers for assistance.

Home Equity Loans

Our Home Equity Line of Credit is a variable rate product with flexible terms. Applications are processed quickly by local loan officers that you know and trust. Once your loan is made, we will continue to give you the courteous and efficient service you desrve. Drop by any office or call one of our loan officers to obtain a current listing of our rates and terms.

Manufactured Home Financing

We have a manufactured land/home financing program with competitive rates and terms. See one of our loan officers for details.

Credit Life And Accident & Health Insurance

With your completed loan transaction, you may decide to add low cost credit life and accident health insurance on your consumer loan, or decreasing or level term life insurance on your real estate loan to provide additional financial security.  Just ask one of our loan officers for rates and terms.

  • Not a deposit

  • Not FDIC insured

  • Not insured by any federal government agency

  • Not guaranteed by the bank

  • May decrease in value

  • Not available on residential mortgages


Branch Locations

Red Bay:

Community Spirit Bank
200 4th Avenue SW
Red Bay, AL 35 582
(256) 356-4445

ATM Location:

Inside McDonald's
606 4TH Avenue SE
Red Bay, AL 35 582


Redmont Branch
1107 Fourth ST NW
Red Bay, AL 35 582
(256) 356-8724


Community Spirit Bank
14009 HWY 43
Russellville, AL 35 653
(256) 332-5315


Community Spirit Bank
7141 Hwy. 19
Vina, AL 35 593
(256) 356-6947


Community Spirit Bank
342 Second Street
Belmont, MS 38 827
(662) 454-0001