Mortgage Lending Services

  • Conventional Loans
  • VA Loans
  • LAPP and Automatic Approval for VA Loans
  • Adjustable Rate Mortgages
  • In-House Processing and Underwriting

Have questions about our Mortgage Loans? Email us at

Consumer Lending Services

  • Auto Loans
  • Home Equity Lines of Credit
  • Home Equity Loans
  • 2nd Mortgages
  • Unsecured Loans
  • Home Improvement Loans
  • Share Loans (Account Holders Only)

Have questions about our Consumer Loans? Email us at

Loan Payment Calculator

Use our Loan Payment Calculator to find out what your monthly payments might be. It’s simple and easy!

Citizens Savings & Loan is a preferred home loan provider with emphasis on competitive interest rates and low closing costs. We specialize in VA and Conventional loan programs featuring in-house processing, underwriting, and closings. Our staff is available to meet with you face to face as opposed to calling a toll free number during the process. We can service the loan locally which means you will deal with us directly for payments and escrow matters.

We offer loans to purchase a new home or to refinance your existing one. A variety of loan types that include fixed rates, adjustable rates, and special programs designed to meet your needs are available. We also offer construction loans if you are building the home of your dreams. Contact us today for more information!

We can help you get started if you are in the market to purchase a new home. Our “First Step” program is designed to be quick and easy. A short application is completed to determine the monthly payment and price range you would qualify for. Upon approval, you will have an advantage over other potential buyers who have not obtained the approval status featured with this program. A request for pre-approval or loan application can also be submitted online for your convenience.

Our loan officers have the knowledge and experience necessary to take the guess work out of the home loan and financing process. Our staff resides within the same communities that we serve and look forward to serving your financial needs well into the future.