The Citizens B & T Holdings, Inc. All Credit Levels is a cdfi lender from Citizens B & T Holdings, Inc.. Application typically pulls a hard report from Experian. Approval typically requires a credit score of 650-700 or higher. Rewards: Earn points or cash back. Citizens Bank & Trust Company is a community bank located in Guntersville, AL, dedicated to serving the financial needs of individuals and businesses in the local community. They offer a range of banking services including personal and business loans, credit cards, and digital banking solutions. Services include: business loans, personal loans, credit cards. US Treasury certified CDFI Bank/Thrift in Guntersville, AL.