Personal Banking

Residential Real Estate

• First Mortgages - Looking to buy a new home or refinance your existing home? Citizens State Bank has experienced loan officers who can make your home closing a smooth process
• Second Mortgages - Citizens State Bank Norwood Young America also offers second mortgages at fixed or variable rates for debt consolidation, home improvement, or other various needs.
• Secondary Market Mortgages - We are aligned with the top lenders in the country to provide the most competitive products in the market. Our loan terms range up to 50 years.
• EZ Access Home Equity Line of Credit - Use the equity in your home to do home improvements or borrow for other purposes. Loan is repaid in monthly installments at a variable rate.