Consumer Loan Rates

Consumer Loan Rates

Competitive consumer loan rates and products for the day-to-day things you and your family need.  Whether you are in the market for a new or used vehicle, cool new or used motorcycle, or need some cash for that new fence or remodeling project, Citizens Federal Savings Bank has a consumer loan solution tailored to fit.

There are a few ways that you can take advantage of our great consumer loan rates at Citizens Federal Savings Bank. Simply, call or stop by one of our locations to speak with an experienced loan officer. Our staff will help you though our fast application and underwriting process and have a credit decision for you in short order.  We also can appreciate your busy schedule, so, we also offer a full online application process for your convenience. From submitting the application to signing and finalizing closing documents, we can complete your loan 100% online.

Need to talk in more details about your specific loan needs?  Please contact us at your nearest location and ask for one of our consumer loan officers. We will be happy to discuss your specific needs, answer your questions and help you determine the best consumer loan solution for you.

Please review our current rates below for our consumer loan products.


Loan Rates Effective Date May 18, 2023

Loans YearAPR*(As Low As)
New Vehicles 0-60 Months2022-20236.75%
New Vehicles 61-72 Months2022-20237.00%
Used Vehicles 0-60 Months
0-60 Months2015-20167.75%
0-48 Months2013-20148.00%
0-36 Months2012 and Prior8.50%
New Motorcycles 7.25%
Used Motorcycles9.25%
Share Loans
2% above CD rate
Signature Loans (max $5,000 + Closing Costs)12.25%
*Vehicle model years 20 years and older will be considered on a case by case basis.


Home Equity Loans

LoansAPR*(As Low As)
Home Equity Loan Rates 2nd Mortgages7.50%
Home Equity Loan Rates 1st Mortgages7.50%
*APR=Annual Percentage Rate. Rates are subject to credit approval and to change without notice. The bank will determine your rate by credit background, specific loan terms, payment method and collateral.

Contact our Loan Professionals for more information at 913-727-1040.

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