Always Local, Always Lending 

Whether you need cash for home improvements, unexpected bills, vacation, a new car, or anything else, come to us. At BCT, we can help you get the financing you need, quick and easy with decisions made locally.

  • New and Used Vehicle Loans
  • Loans secured by CD/Savings
  • Home Equity Line of Credit
  • Home Equity Loans
  • Unsecured Home Improvement Loans
  • Unsecured Personal Loans
  • Lot Loans

Select automatic deduction of a monthly payment from your BCT account and receive a rate discount. Credit Life and Disability insurance is available to qualifying customers and qualifying loan products..

 Home Equity Line of Credit       Car Loans       Home Project Loans

Financial Calculators: Our calculators can help you determine what your monthly payments on personal loans would be and help you with your personal goals and to stay on budget. Visit our Calculator Page with over 50 additional Financial Calculators.


Request information online or contact one of our Loan Officers:

Charles Town  Harpers Ferry  Kearneysville  Martinsburg Hedgesville Hagerstown
Kim DeSarno
(304) 728-2427
NMLS ID 466999

Shelly Holmes
(304) 728-2459
NMLS ID 812118
(304) 535-6336 (304) 876-2563 David Dalton
(304) 262-0089
NMLS ID 849332
(304) 754-0000 (301) 739-4228