Citizens Bank

Agricultural
Consumer
Personal
Student
Construction
Mortgages
Freedom Line of Credit

	Account For...	Service Fees	Special Features
Agricultural	Anyone wanting a loan for the purpose of land purchase, crop production, equipment, livestock, etc.	Various fees can be assessed according to the type of collateral and terms.	Crop production loans, farm equipment purchases, or loans to purchase livestock. Monthly payment or seasonal payment arrangements are available. Agriculture has long been a thriving segment of our local economy. Citizens Bank is committed to helping maintain the success of farming in our area.
Consumer	Anyone who has a need or desire to make a sizable purchase and is willing to spread the cost over time.	Various fees can be assessed according to the type of collateral and terms.	Loans may be taken out to finance a vacation, auto purchase, consolidate several payments or other consumer needs. These loans are granted on the basis of a customer's financial history but collateral may be required such as a certificate of deposit, stock or some other tangible asset.
Personal	Anyone, Anyplace, at Anytime.	Various fees can be assessed according to the type of collateral and terms.	For that personal expenditure, vacation time, new furniture, or Christmas expense. Maybe the family auto needs new tires or repairs to keep it dependable. Whatever the reason, we can arrange that personal loan with a variety of repayment terms to fit your budget. Automatic payments from deposit accounts at Citizens Bank are available for your convenience.
Student	Students wishing to borrow money for their higher learning	Fees may be assessed according to program guidelines.	TEAM^sm Lender with EdAmerica Dream……… Achieve …….. Become For more information simply click on www.edamerica.net
Construction	Anyone wanting to build that dream home or perfect business.	Various fees can be assessed according to the type of collateral and terms. $300 Construction Appraisal	With or without permanent financing. Up to 12 months construction period (6 months preferred). Fixed rate of interest during construction with interest only payments due monthly. Interest payments calculated on advances made and not the total loan commitment.
Adjustable Rate Mortgage	If you want to finance any type of dwelling and you are going to live or own dwelling for 3-5 years, this is your loan.	Typically low fees. $125/$200 Appraisal Fee. No Points No Origination	Rates are adjusted on one and three year intervals. Lifetime cap on primary residence mortgage loans. Amortization periods up to 20 years. Low closing costs and comfort of dealing with a hometown bank
Freedom Line of Credit	Anyone who owns any type of real estate and has equity in that real estate.	Bank pays all fees. There will be a $500 recapture fee if the loan is closed out within three years unless the property is sold. *Please note that a balloon payment may result and the offer is subject to credit approval.	Freedom to use money for whatever your needs might be. Five or ten year repayment with interest only payments monthly. Secured by 1 st or 2 nd mortgage on primary residence, 2 nd homes, rental homes, farm land, & commercial property.

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