Citizens offers a wide variety of loan options to fit all lifestyles and income levels.

Residential

Fixed Rate Mortgage	A Fixed Rate Mortgage has a set interest rate over the life of the loan. It provides you with the security of a fixed monthly principal and interest payment.
Adjustable Rate Mortgage (ARM)	An ARM offers an initial interest rate that is lower than the market rate or a fixed rate mortgage. After a specified period of time, the interest rate adjusts to follow the market rate.
Construction Loans	A Construction Loan is a short-term loan that provides funds to build your new home.
Lot Loans	A Lot Loan provides financing to purchase a residential lot for the construction of your future home.
1ST Time Homebuyer Program	The 1st Time Homebuyer Program is designed to meet the needs of borrowers who are purchasing or constructing their first home.

Consumer

Home Equity Line of Credit	A Home Equity Line of Credit is a flexible and convenient way to access your home's equity. You can use an Equity Access Card, Citizens Online Banking, Citizens Telephone Banking, and Line-of-Credit Checks to access your funds.
Home Equity Loan	A Home Equity Loan turns your home into money. This loan allows homeowners to use the equity accumulated in their homes to borrow money.
Small Home Improvement Loan	The Home Improvement Loan program is designed for borrowers with low-to-moderate income.
Auto, Truck, Motorcycle, RV and Boat Loans	These Loans offer flexible terms and payments for the purchase of a new or used auto, truck (up to ¾ ton), motorcycle, RV, or boat.