Citizens Bank and Trust - Nationwide Branches

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Branch	Address	View Lobby Hours
Winterset Branch	6340 Cypress Gardens Blvd, Winter Haven, FL 33884	View Lobby Hours
Schalamar Creek Branch	4500 Us Highway 92 East, Lakeland, FL 33801	View Lobby Hours
Downtown Lakeland Branch	402 South Kentucky Avenue, Lakeland, FL 33801	View Lobby Hours
Chalet Suzanne Branch	23725 Highway 27, Lake Wales, FL 33859	View Lobby Hours
Lake Wales Branch	222 Highway 60 East, Lake Wales, FL 33853	View Lobby Hours
Citizens Bank And Trust	2 East Wall Street, Frostproof, FL 33843	View Lobby Hours
Edgewood Branch	1958 East Edgewood Drive, Lakeland, FL 33803	View Lobby Hours
Bartow Office Branch	1450 N. Broadway Avenue, Bartow, FL 33830	View Lobby Hours
Haines City Branch	1400 U.S. Highway 27 North, Haines City, FL 33844	View Lobby Hours
Winter Haven Branch	1120 First Street South, Winter Haven, FL 33880	View Lobby Hours
Auburndale Branch	111 Havendale Blvd, Auburndale, FL 33823	View Lobby Hours
Dundee Branch	1013 Highway 542, Dundee, FL 33838	View Lobby Hours
Messenger Service	222 State Road 60 East, Lake Wales, FL 33853	View Lobby Hours
Ft. Meade Office	25 West Broadway Street, Fort Meade, FL 33841	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 2578474	6.596%	6.500% 0.63 points $3,210 fees	$2,023	Learn More
NMLS ID: 1025894	6.861%	6.750% 0.88 points $3,644 fees	$2,076	Learn More
NMLS ID: 3030	7.325%	7.250% 0.75 points $2,400 fees	$2,183	Learn More
NMLS ID: Not a Lender		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

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