Consumer Lending Services
First Citizens State Bank provides many real estate loan programs tailored to meet your specific needs. Our team of experienced lending officers as well as loan and real estate support staff will
provide you with fast turn around time in processing your real estate transaction for a speedy closing. We would appreciate the opportunity to provide for your real estate credit needs.
General Information
The following information will be helpful to us in expediting the processing of your Real Estate Loan request:
- Information on your income and the income of any co-applicant as well as length of employment and related information.
- Information on deposits you have at financial institutions, investments, etc.
- The application form will request information on what you currently owe to creditors and the respective monthly payments.
- A list of any other assets you own.
- There may be additional items requested by the loan officer or support staff.
Fixed Rate Mortgages
Full-term "fixed rate" mortgages are available for the purchase of or refinancing of your primary residence or second home. Fixed rate mortgages are amortized over 10-40 years. Down payments can be tailored
to fit your specific needs.
We are an approved Freddie Mac Seller & Servicer and therefore can provide you with one-stop fast and efficient loan approval followed by an effortless closing. Also, it is our policy to service our loans,
which allows you to make your payments locally at any First Citizens State Bank location. A loan officer is always available to field any questions you may have regarding your loans.
WHEDA Loans
For First-Time Home Buyers
Mortgage loans for first-time home buyers are available through our WHEDA Loan Program. These loans offer low down payments and 30 year fixed rates that are generally below conventional market rates.
Investment/Rental Property
Rental & Investment Property loans are for the purchase of properties or real estate that are designated as investments or for rental usage. We offer competitive interest rates with loans amortized over
25 years, with notes written on a shorter term. Just contact one of our knowledgable loan officers for details on the streamlined application process for a loan.
Construction Loans
We offer construction loans typically for a six month term on an interest only basis during the construction period. There are minimal costs involved and we can qualify you for your fixed-rate term mortgage
at the time you apply for your construction loan.
We provide prompt service to you when you make draws on your loan during your exciting construction process.
Home Equity Loans & Lines of Credit
We offer Home Equity Loans to meet a variety of needs. Our home equity loans are competitively priced with minimal closing costs. It is a convenient way to "write your own loan" when you need it.
We provide fast and efficient processing of your application for a prompt closing. Home equity loans are a great way to establish a line of credit for future, unanticipated needs.
Additional Transactional Account Charges back
Stop Payment
Non-Sufficient Funds (Per Item)
Overdrafts (Per Item)
Accounts overdrawn over 3 consecutive days will be charged $2 per day for each additional day overdrawn.
Statement Copies (Per Copy)
Check Copies (Per Copy)
Safekeeping Check Copies (Per Copy)
Bookkeeping Research (Per Hour)
Wire Transfer, Incoming
Wire Transfer, Outgoing
Wire Transfer, International
Item Returned Unpaid to Bank
Cashiers Check
Personal Money Order
PULSE Card & Checkcard
Replacement PULSE Card & Checkcard
$20.00
$25.00
$25.00
$2.00
$2.00
$5.00
$25.00
$10.00
$20.00
$45.00
$5.00
$3.00
$2.50
$7.00
$7.00
Collections Under $50 (Incoming & Outgoing)
Collections Over $50 (Incoming & Outgoing)
Check Certification
Handling Each Legal Process Affecting the Account:
Attachment
Garnishment
Levy, Etc.
Special Cut-Off of Statement
Telephone Transfer
Reconciling of Bank Statement:
First Time (In 3 Month Period)
Any Additional (Per Hour)
Coupon Redemption (Per Envelope)
Bond of Indemnity
ATM Usage Fees:
First Citizens State Bank ATM
PULSE Network ATM
Outside PULSE Network
$7.50
$15.00
$25.00
$25.00
$25.00
$25.00
$2.00
$2.00
N/C
$15.00
$1.00
$5.00
N/C
$1.00
$2.00
Disclosures that apply to all Savings Plans: back
- Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
- We use the daily balance method to calculate the interest on your account, based on the collected balance.
- Interest will be compounded and credited to your account.
Disclosures that apply to all Certificates of Deposit:
- Interest begins to accrue no later than the business day we receive your deposit.
- We use the daily balance method to calculate the interest on your certificate of deposit. This method applies a daily periodic rate to the principal on the certificate of deposit each day.
- If interest compounding occurs during the term of the certificate of deposit, the annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- If you close your account before interest is credited, you will receive the accrued interest, less early withdrawal penalties.
- For certificates of deposit that will automatically renew at maturity, you will have 10 calendar days after the maturity date to withdraw funds without penalty.
- No deposits or withdrawals from this account until maturity.
Early Withdrawal Penalty:
- The following penalty may be charged to your certificate of deposit if you withdraw any principal before the maturity date:
- For deposits with original maturities of less than one month, the penalty will be forfeiture of simple interest that could have been earned on the amount withdrawn had the funds remained on deposit until maturity.
- For deposits with original maturities of 31 days but less than one year, the penalty will be the forfeiture of the 30 days simple interest on the amount withdrawn.
- For deposits with original maturities of one year but less than two years, the penalty will be the forfeiture of 90 days simple interest on the amount withdrawn.
- For deposits with original maturities of two years or more, the penalty will be the forfeiture of 180 days simple interest on the amount withdrawn.
- If sufficient interest has not accrued at the time of withdrawal, principal will be reduced to the extent necessary to meet the required penalty.
- The amount of the penalty will be calculated using the interest rate in effect on your account at the time of withdrawal.
- Early withdrawals made because of the death or the judicially declared incompetence of a depositor will not be penalized.
- Early withdrawal penalties may not always apply to IRA and Keogh accounts. See your IRA or Keogh account literature for details.
Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.
Additional Transactional Account Charges May Apply, Click Here For Details.
Additional Savings Account & Certificates of Deposit Disclosures are available here.
