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Truth in Lending Disclosures

Rate Information

The actual Annual Percentage Rate (APR) may vary according to overall credit history and term. All loans have a Fixed Annual Percentage Rate our Board of Directors reviews loan rates on a regular basis. All rates and terms are subject to change without notice.

Fee Information

There are no minimum, fixed, transaction, activity or similar charges to be imposed (i.e fees that could be considered a finance charge).There are no membership or participation fee to be imposed.

Example of a New/Used Auto Loan

$20,000 at a rate of 5.99% APR is 60 monthly payments of $386.44. May require a down payment depending on the qualifications of the borrower.

Example of a Signature Loan

$5,000 at a rate of 8.24% APR is 24 monthly payments of $211.82.

Example of a Share Covered Loan

$5,000 at a rate of 9.00% APR is a monthly payment of $213.67.

Example of a Certificate Secured Loan

$5,000 at a rate of 3.00% APR is a lump sum payment of $5,150.00 after 12 months.

Real Estate Loans

Citizens does not offer real estate loans at this time.