Home Mortgage Loans

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
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Home Equity Loans

  • Loans and lines of credit available
  • The existing equity in your home is used as collateral backing
  • Local decision-making and processing in Northern Michigan
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Auto Loans

  • Competitively low rates on new or used vehicles
  • A wide range of terms customized to your unique situation
  • Recreational vehicle (RV) loans also available
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Mobile Home Loans

  • Competitive rates for the financing of mobile homes
  • Available for both new and used mobile homes
  • Flexible terms that work with your budget
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Student Loans

  • Private student loan offered through iHELP
  • Competitive interest rates
  • No origination or repayment fees
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Checkmate Lines of Credit

  • Available for Citizens National Bank checking account holders
  • Ideal for quick, one-time needs
  • Ready whenever you need it
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Personal Loans

  • Competitive rates for a wide variety of personal needs
  • Customizable repayment terms
  • Loans and lines of credit available
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