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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:
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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