• Consumer Loans
• Commercial Loans
• Agricultural Loans
• Real Estate Loans
• Student Loans
• Citizens Overdraft Protection – COP Loans
• Elan Credit Card

Consumer Loan Application Form

Uniform Real Estate Application Form

Commercial/Ag/Other Loan Application Form

Consumer Loans
Our experienced loan officers take the time to understand your financial needs. We offer competitive rates and flexible terms. Whether your need is to purchase a new car or that dream vacation, Citizens Bank can help you choose a loan that will fit within your budget. Below are some of the consumer loan products available.

Auto Loans
Recreational Vehicle Loans
Home Improvement Loans
Personal Loans

Please call or stop in with your completed Consumer Loan Application for fast answers to your loan questions and financial decisions.

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Commercial Loans
Are you looking to start your own business? Is your business expanding and needing to purchase new equipment or inventory? Do you need funds to increase your working capital or assistance with cash flow? Citizens Bank is committed to the growth and future development of our community and offers many types of loans for existing and new businesses. We can help set up the right financing structure to support your cash flow and accomplish your business goals. Some of the business financing we provide includes:

Equipment/Fixture/Term Loans
Operating Lines of Credit
Commercial Real Estate Loans
SBA Guaranteed Loans – SBA 7(a) Loans, SBA LowDoc
Floor Plan Loans
Truck or Trailer Loans

Please call or stop in with your completed Commercial Loan Application and a current financial statement or your business plan and ideas and together we can make an informed business decision.

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Agricultural Loans
Citizens Bank has been helping farmers and their families for 75 years with financing that is designed to work for your unique farming needs. We pride ourselves in understanding the financial challenges of today’s farmers. Our Ag-lending provides:

Farm Operating Lines of Credit
Machinery and Equipment Purchases
Livestock Purchases
Farmland/Real Estate Purchases
FSA Guaranteed Loans
First Time Farmer Loans

We invite you to visit with our Ag Representative to determine the borrowing options that are right for your operation.

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Real Estate Loans
Investing in your home is one of the biggest financial decisions you will make. Citizens Bank will guide you through the steps whether you are purchasing your first home or refinancing your current home. We’ll help you determine the right financing for your individual situation and we’ll offer competitive rates both on loans we service and in the secondary market.

Residential Mortgage Loans
Commercial Mortgage Loans
Farmland Mortgage Loans
Construction Loans
Home Equity Loans
Iowa Bankers Mortgage Corp. Loans

Please call or stop in with your completed Uniform Residential Real Estate Application so that we can determine which program fits your budget.

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Student Loans
With the rising cost of college tuition, let Citizens Bank help with your education loan. We participate in the Federal Student Aid program and provide guaranteed student loans for both students and parents. Our personal handling of this program, assures you hassle-free answers to your questions. Pick up your Federal Stafford or PLUS application and we will ease some to this process. For more information about student loans please check out the following web sites:

• www.iowacollegeaid.org
• www.studentaid.ed.gov

C.O.P. Loans
C.O.P. is a special Citizens Overdraft Protection plan. It is a convenient service that insures you against possible non-payment of your checks due to an overdraft. With a C.O.P. you will be authorized a credit limit which will always be available to you for use in your checking account, in the form of a loan. We will automatically charge your checking account in regular installments with payments as low as $25.00 per month on a $500.00 or less balance until the borrowed amount is paid.

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Elan Credit Card
Citizens Bank has available for its customers Visa sponsored credit cards, serviced by Elan Financial Services. Choose from the Elan Visa Platinum, Elan Visa Classic or the Elan Cash Reward Visa. Contact us or stop in for an application today.

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