Loans

We are the most hands on Bank in town. We make your banking easy when you need it most.

Need a loan? But have questions or special needs? Well, we just rolled up our sleeves. At Citizens Bank, it’s our business to listen to your concerns. It’s what we do and we love doing it.

With over a century’s worth of experience, we know the tricks of the trade. Whether you need a real estate loan or personal loan we have the ability to customize a loan based on your needs.



Mortgages

Looking to Buy, Build or Remodel? 

Then we have what you need!


Building a Home

Thinking about building a new home?


Then a Citizens Bank construction-to-permanent loan may be right for you. We are experts at construction lending and our loan options couldn’t be more convenient. With over a century's worth of experience, we are committed to providing the loan options you need. We'll guide you through each step of the application process.

  • Interest-only payments during construction
  • Fixed construction interest rate
  • Fixed rate mortgages
  • Adjustable-rate mortgages

Buying a Home

Whether you’re shopping for your first home loan or moving out to the lake or something even better, Citizens Bank offers competitive rates and a variety of mortgage options. Whether you’re a first-time home buyer or looking to refinance, we offer customized repayment terms and localized processes.

  • Competitive low rates
  • Fixed-Rate Mortgages
  • Adjustable-Rate Mortgages (ARMs)
  • VA Loans
  • FHA Loans
  • And more!

We also offer loans for new construction and investment property, and you’ll have a knowledgeable Citizens Bank Loan Specialist working with you every step of the way!


Refinance Your Home

Looking to lower your monthly mortgage payments?


With refinancing, a Citizens Bank mortgage could help you realize significant savings. Whatever your goal may be for refinancing an existing mortgage, a Citizens Bank Loan Specialist can help you identify potential ways to:

  • Lower your monthly payment expense
  • Switch from a variable rate to a fixed-rate mortgage
  • Shorten the term of your loan


Home Equity

Need money fast?


Why not unlock the Equity in your Home? If your current house is worth more than you owe on your existing home loan, you may be able to use your home equity to fund one-time expenses and ongoing needs:

  • Remodel your home
  • Pay for a major expense
  • Consolidate debt
  • Get cash out of your home

You can tap into your home’s equity with a home equity loan. Our Citizens Bank Loan Specialists are here to help you.

Need money extra fast? Ask about our 2-Hour Home Equity Line of Credit. Fast, convenient, and ready when you are!



Personal Loans


A personal loan from Citizens Bank can give you the freedom to do many things. Through years of lending experience, we understand that each customer's situation is different and requires a personalized plan. Knowing this allows us to offer a wide range of loan options to meet your individual needs. We offer fixed or variable rates on both secured and unsecured loans. Our innovative Loan Specialists create a personalized plan that delivers the most advantage for your individual situation. We offer a wide variety of loans for any occasion.

  • Single-pay loans
  • Monthly-pay loans
  • Personal lines of credit
  • Secured and unsecured loans

Auto & Recreational Vehicle Loans

Thinking about buying a new or used car? How about a boat or ATV? Take advantage of our competitive rates and quick decision making process.

 

If you have been waiting to make a purchase but feel you may not be able to afford the payments, contact one of experienced and friendly Loan Specialists to Ask them to estimate your monthly payments. Or do you want to lower your current monthly auto loan payment? Refinancing your current car loan or recreational vehicle may save you money. You may find that with our flexible and "make sense" loan programs, you will experience the confidence of knowing that Citizens Bank is always there.

  • New or used vehicle loans
  • Recreational vehicle loans: ATVs, motorcycles, campers, etc.
  • Watercraft loans: Boats, jet skis

We can customize a loan to meet your unique needs.