Citizens Bank

Commercial/Business Loans

At Citizens Bank we know that different businesses have different needs, and we will tailor a financing plan to fit the needs of your business. We want to help you develop and sustain your business by offering financing for a variety of business needs.

At Citizens Bank we have qualified loan officers available to assist you in choosing from an array of financing programs. The following are several of the financing options:

Construction Loans
Permanent Commercial Real Estate
Revolving Lines of Credit
Letters of Credit
Amortization Loans to purchase assets

Consumer Loans

With Citizens Bank consumer loans, you'll find individualized financing to help you achieve your goals. A variety of rate and repayment options can be tailored to match your personal needs or financial situation. Rates and options include:

Fixed or variable interest rate options
Loans available for a variety of reasons:
Home improvement, debt consolidation, major purchases, vacations, autos and more
Secured and unsecured loans available
Payment ranges from monthly to annually

Credit Insurance

Citizens Bank has options to offer you on credit life insurance. Ask your local Citizens Bank loan officer about optional credit insurance available. This insurance can protect you and your family in case of an untimely death or if you become unable to meet your loan payments as a result of illness or injury.

Real Estate

Whether you are planning to purchase your first home or build a new home Citizens Bank provides a variety of terms and options, including:

Competitive fixed and variable rates
Mortgages secured by home or land
Flexible terms and payments for your specific purposes
Low Closing Costs
Home construction loans
Lot Loans

Home Equity Lines of Credit

Use the equity in your home to obtain funds for a variety of purposes. Citizens Bank offers the following options when choosing a Home Equity Line or Loan:

Home Equity Lines of Credit have a variable interest rate which is adjusted monthly
Home Equity Lines of Credit funds can be accessed by check when needed.
Home Equity Lines and Loans have easy monthly payments
Home Equity Loans offer a fixed interest rate.

Why Citizens Bank?

Local, Independent Bank
Personal Service
Expertise to help you make a sound financing decision
Quick response time
Decisions made at your hometown bank

© 2011 Citizens Bank, all rights reserved.
Member FDIC		NOTICE OF CHANGES IN EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurace amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html. NOTICE: Citizens Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.