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Consumer Lending

First Citizens State Bank has many solutions for those interested in most any type of personal loan. Whether you are interested in purchasing a vehicle, computer, debt consolidation or any other similar consumer request we have the right loan for you. Stop in and see or call one of our experienced loan officers and see how First Citizens State Bank can help you with your loan needs.
The following information will be helpful to us in expediting the processing of your loan request.
1. Information on your income and the income of any co-applicant as well as length of employment.
2. Information on deposits you have at financial institutions, investments, etc.
3. The application form will request information on what you currently owe to creditors and the respective payments.
4. A list of other assets you own.
5. There may be other items requested by the loan officer.

Home Equity Loans

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 for you to “write your own loan” when you need it. We provide fast and efficient processing of your application to provide for a prompt closing. It is a great way to establish a line of credit for future unanticipated needs.
The following information will be helpful to us in expediting the processing of your real estate loan request.
1. Information on your income and the income of any co-applicant as well as length of employment.
2. Information on deposits you have at financial institutions, investments, etc.
3. The application form will request information on what you currently owe to creditors and the respective payments.
4. A list of other assets you own.
5. There may be other items requested by the loan officer.

Current Rates:

Automobile YearTerm (Months)Rate (%)Annual Percentage Rate (%)Monthly Repayment Schedule ($)
2016-2017245.2505.594439.83
2016-2017365.2505.558300.83
2016-2017485.5005.797232.56
2016-2017605.5005.791191.01
2014-2015245.7506.095442.08
2014-2015365.7506.059303.09
2014-2015486.0006.298234.85
2014-2015606.0006.292193.33
2012-2013367.2507.562309.92
2012-2013487.5007.802241.79
2011248.2508.598453.41
2011368.5008.814315.68
20102411.00011.352466.08
20103611.50011.820329.76
Effective DateMarch 13, 2017

The Annual Percentage Rate is calculated based on a $10,000 loan with a $1.50 per month loan processing fee ($25.00 minimum) and an assumed credit bureau report fee of $10.00. This loan assumes a 20% down payment.