Loan Accounts




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