Life's larger expenses happen. Citizens National Bank, as your lending headquarters, has you covered. Let your Personal Banker help you find the right loan for you.
Introductory Rate of 1.99% APR for 18 billing cycles and then Variable Rate of 3.75% APR Introductory rate of 1.99% Annual Percentage Rate (APR) is fixed for the first eighteen (18) billing cycles. The number of days in your billing cycle may vary based on your account opening date. After the first eighteen (18) billing cycles, the APR will vary based on the U.S. Prime Rate as published in the Wall Street Journal plus a margin. The margin is based on your credit score and a maximum LTV of 75%. As of December 15, 2016, Prime Rate was 3.75% APR. The minimum line of credit to receive the introductory rate of 1.99% is $10,000 with a draw of $5,000 or more at closing. Your APR will never be higher than 21%. HELOC must be new money to CNB, unless current CNB HELOC is within one year of maturity. Other HELOC options are available. Collateral cannot be classified as a manufactured or mobile home. If your loan payment is automatically debited from your CNB personal checking account, CNB will pay all bank required closing cost for approved credit lines less than $250,000 and up to $500 in closing costs for approved credit lines exceeding $250,000. Certain fees may apply from $1 to $1,000 when payment is not auto debited from a CNB personal checking account. Land survey, if required is not included in bank paid costs. $500 closing cost recovery fee will be assessed if line is closed within 24 months of contract date. This loan consists of a 10-year draw period with interest only payments and a 15 year Repayment period. Repayment period consists of variable rate monthly minimum payments including principal and interest. Repayment APR is based on U.S. Prime Rate as published in the Wall Street Journal plus a margin but will not exceed 21% and will not fall below your base rate. Your base rate is Prime plus a margin determined by your loan to value and credit score. Rates and APRs are subject to change without notice. Consult your tax advisor regarding deductibility of interest. Subject to credit approval.
Your Home Equity Line of Credit offers convenient access to your money, with interest-only payments during the initial 10 year draw period.
The interest you pay will be low, but it also may be tax deductible, just like your mortgage interest. Please consult a tax advisor about your individual situation to determine whether your Home Equity interest paid will be tax deductible.
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Lock in a rate for up to 10 years. As low as 4.86% Annual Percentage Rate.Interest Rates: Advertised rate good for loans $10,000.00 and above with maximum term of 10 years and maximum loan-to-value (LTV) not exceeding 90%. Payment example: $25,000.00 at 4.86% Annual Percentage Rate will result in 120 monthly payments of $263.46. Maximum LTV may be lower for some properties.
Tax Benefits: Consult your tax advisor regarding the deductibility of interest.
Loan Terms: Rates and terms are subject to change without notice. Offer subject to approval, including credit approval, and collateral requirements. Citizens National Bank must receive a valid first or second real estate lien on a primary residence owned and occupied by the borrower. Offer does not include manufactured homes. Property insurance required including flood insurance, where applicable. Minimum loan amount $10,000.00.
Closing Costs: Borrower pays all closing costs associated with the loan. Total costs vary depending on the loan amount and location of the property. Loans less than $250,000.00 typically have costs ranging from $350.00 to $900.00.
Limitations: Home Equity Loans may only be secured by a 1st or 2nd lien on a single family home that is the borrower's primary residence. Home Equity Loans may not be used for Purchase Money or permanent financing of a Construction or Bridge loan.
Borrow just the amount you need and repay it with a fixed rate that will not change when other rates go up. Expect the same payment amount every month. Know your exact payoff date for your loan.
Rates as low as 1.99% APR. Annual Percentage Rate (APR) may vary depending on individual’s credit history and underwriting guidelines. Offer subject to credit approval. For comparison purposes, a customer who finances a 2017 model year auto for $30,000 at a term of 36 months and at an APR of 1.99% would have 36 recurring payments of $860.03. The advertised rate applies to qualified customers who have a credit score of 750 or more. Offer applies to purchase or refinance of a new or used auto, 2013 to 2017 model years only. Other promotional rates and terms available. 100% financing of invoice purchase price is subject to credit approval and not to exceed NADA average trade in value. Offer is not available for refinancing of existing loans currently financed by Citizens National Bank. Limited time offer. Advertised rates, programs and terms are subject to change without notice.
Itching for a new car? Get behind the wheel with our great rates. Before you shop, equip yourself with more purchasing power by finding out how much car you can afford. Your CNB Personal Banker is ready to make your auto-buying process simple.
Want to lower your current auto payments? Take advantage of our great rates and refinance your auto loan today. Lower rate equals more money in your pocket.
How much car can I afford?
Is an Auto Loan or Home Equity Loan best for purchasing a car?
Don’t bust your budget for big-ticket items. Finance your needs and keep your budget intact.
Whether you're purchasing a new RV to travel the world or need a little extra cash to go on an adventure, we have loan options for you.
Back your loan with your small equipment or other collateral.Subject to credit approval. Acceptable collateral may include boats, lawn equipment, camper, motorcycle, etc. Automobiles and real estate are not acceptable collateral.
Need a little extra cash to help tide you over? An Unsecured Personal Loan can help you with your short-term cash flow needs. No collateral needed.Subject to credit approval.
Secure your loan with your CD or savings account.Subject to credit approval.
Establish credit or improve your current credit score with ScoreBuilder.
At CNB, our vision is for every client to have a financial plan that helps them achieve their earthly dreams. We care about your financial fitness, and we want to help you build or regain your financial strength through our ScoreBuilder program.
ScoreBuilder is a small-dollar loan program with low fees and low interest rates that helps you establish credit or works with those that need to improve their credit scores. This program also offers a financial education component that will help you understand your finances and credit better.
ScoreBuilder is designed to help individuals who do not have credit or would like to improve their credit scores. This program provides an alternative to payday lending cycles and helps you enter into mainstream banking – taking the right steps to becoming financially fit.
With four simple steps, you're on your way to a better credit score.
Successfully complete one of the FDIC's online Money Smart Financial Education courses shown below. A certificate of completion is required prior to applying for the ScoreBuilder loan.
Once you've provided your MoneySmart course completion certificate to your Personal Banker, your Banker will determine the loan type that is right for you based on your individual credit score.
Loan proceeds are based on your credit score and will be deposited into your checking and/or ScoreBuilder Savings account with CNB. Auto debit payment from the checking account is required.