Personal Loans

Installment Loans

Debt Consolidation, Unexpected Expenses, Need some extra Cash? Don’t pay high credit card rates! Look to us for a low fixed rate secured loan, designed just for you!

CD Secured Loans

We offer highly competitive CD Secured Loans. This is a great option to access your cash when you need it without losing equity in your CD.

Auto Loans

Looking for a New or Used vehicle contact us for competitive rates!

Recreational Vehicle Loans

Time for some fun? Ready to upgrade your Boat, Snowmobile, Side by Side? Looking for that perfect RV? Want to Fly Away? We are ready to help you get on the road, in the air, on the trails, or wherever the path leads you.

Mortgage Loans

Are you a first-time home buyer? Looking for a second Mortgage? Come and talk to the experts at Citizens Bank. We are the area specialist, and we understand the unique situations that rural buyers face.

We work with all types of non-conforming properties, investment properties, smaller acreage, rural homes and many more. We evaluate each property and situation and custom build a loan just for you.

Citizens Bank and Trust Co.

NMLS # 561205

Mortgage Loans Secondary Market

With a wide variety of products, using the Secondary Market we can provide:

• Low Down Payment Options
• Variable and Fixed Rate Conventional Loans
• Work with First Time buyers
• FHA Loans
• VA Loans
• Jumbo

With many more options, call us today to speak to our expert mortgage officer to find the best solution for you.

Bridge Loans

Provides Temporary Financing to help with the purchase of a new home prior to selling your existing property

Land and Lot Loans

Our Land and Lot loans offer you a variety of options to assist you in obtaining that special piece of property you have always wanted.

Rural Land Loans

Unimproved property for recreation, future, or investment

Construction Loans

Construction loans provide options for building your dream home

Home Improvement Loans

Want that Dream Kitchen? That New Floor? Finish your Basement? Relax in a new Master Bath?

Home Equity Loans

Use the Equity in your home for important purchases, remodels, and more

Home Equity Line of Credit

Access the Equity in your home through a revolving line of credit.

Manufactured / Mobile Home Loans

Foundation or No Foundation, mobile or permanent, we offer competitive rates and terms for your home!