Personal Loans

Citizens Bank offers a variety of consumer loans to meet your personal, family, or household needs. We offer the following consumer loans:

  • Visa ® Credit Card
  • Ready Reserve
  • New and Used Vehicle loans
  • Recreational Vehicle loans
  • Citizensline
  • Home Equity loans
  • Debt Consolidation loans

Visa® Credit Cards

Over 8 million merchants around the world accept Visa®. Use your card for shopping, travel, and entertainment, and ready access to cash through automatic teller machines nationwide, as well as many financial institutions around the world affiliated with Visa®. You pay no annual fee and a low interest rate. Online account access is available.

Ready Reserve

Ready Reserve is a pre-approved revolving line of credit linked to your checking account for overdraft protection. Payments are automatically deducted from your checking account monthly. One time set up fee of $25.00.

New & Used Vehicles and RV's

Loans are available for the purchase or refinance of new or used vehicles, recreational vehicles, boats, etc. Easy application process, competitive rates and terms, and quick response time by experienced staff.


Stop by one of our offices for an application Citizensline is a revolving line of credit with a flexible repayment plan and can be secured or unsecured. You can access your account simply by writing a check or contacting your lender for a draw or transfer. Citizensline is easy, convenient and provides instant access to supplemental funds.

Home Equity

Stop by one of our offices for an application Probably your most valuable asset is the equity you have in your home. Equity is the difference between the present market value of your home and the total of any outstanding mortgages and other liens. As the market value of your home increases, so does your equity. That is important because the equity in your home can be used as collateral for a low cost Home Equity loan for:

  • Debt Consolidation
  • Home Improvements
  • College Tuition
  • Major Purchases

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