Lot Financing Specials!

3.75% Interest Rate or 3.884% APRº

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ºAssumes a $35,750.00 15-year fixed rate loan for a consumer residential real estate mortgage that is secured by a lien on a lot with 180 monthly payments of $259.20 with an interest rate of 3.75% or 3.884% Annual Percentage Rate (APR). 35% downpayment required. Loan approval is subject to credit approval and program guidelines. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included. Rate and offer subject to change daily. Member FDIC.

Financing Specials!

• 3.75% Interest Rate or 6.919% APR for construction loan*

• $500 Construction Phase Mortgage Closing Credit**

• $500 Long-term Financing Mortgage Closing Credit***

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*Assumes a $250,000.00 six month fixed rate interest only loan for a consumer construction residential real estate mortgage that is secured by a lien on a dwelling with 6 monthly interest only payments of $385.27 with an interest rate of 3.75% or 6.919% Annual Percentage Rate (APR) followed by a balloon payment of $250,372.43 at the end of the loan term. 25% downpayment required. Loan approval is subject to credit approval and program guidelines. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included. Rate and offer subject to change daily.

** Citizens Bank Minnesota will issue a lender credit in the amount of $500.00 on the Loan Estimate and Closing Disclosure towards the closing costs of a consumer construction residential real estate mortgage. Promotion is for an approved consumer construction residential mortgage application received by a lender at Citizens. Only one lender credit may be used per consumer construction residential mortgage loan closing. Credit issued only if the loan closes. The credit will be deducted from the closing cost on the Loan Estimate and Closing Disclosure. Offer may change without advance notice.

*** Citizens Bank Minnesota will issue a lender credit in the amount of $500.00 on the Loan Estimate and Closing Disclosure towards the closing costs of a long-term consumer residential real estate mortgage that takes out the consumer construction residential real estate mortgage. Promotion is for an approved long-term consumer residential real estate mortgage application received by a lender at Citizens. Only one lender credit may be used per consumer residential mortgage loan closing. Credit issued only if the loan closes. The credit will be deducted from the closing cost on the Loan Estimate and Closing Disclosure. Offer may change without advance notice. Member FDIC. Effective 9-15-17