Citizens Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
Drive-Thru Facility	Locust And Clay Street, Chillicothe, MO 64601	View Lobby Hours
Smithville Branch	100 Northeast State Highway 92, Smithville, MO 64089	View Lobby Hours
Oak Barry Center Branch	8405 North Oak Trafficway, Kansas City, MO 64155	View Lobby Hours
Trenton Branch	816 Main Street, Trenton, MO 64683	View Lobby Hours
Macon Branch	707 Briggs Drive, Macon, MO 63552	View Lobby Hours
Barry Road Branch	6945 Nw Barry Road, Kansas City, MO 64153	View Lobby Hours
St. Joseph North Branch	5305 N Belt Highway, Saint Joseph, MO 64506	View Lobby Hours
Citizens Bank And Trust Company	7288 Nw 87th Terrace, Suite 112, Kansas City, MO 64153	View Lobby Hours
North Oak Village Branch	4911 North Oak Trafficway, Kansas City, MO 64118	View Lobby Hours
Leawood Branch	4701 College Boulevard Suite 100, Leawood, KS 66211	View Lobby Hours
Boonville Spring Branch	400 East Spring Street, Boonville, MO 65233	View Lobby Hours
St. Joseph Branch	3727 Frederick Boulevard, St. Joseph, MO 64506	View Lobby Hours
Kearney Branch	2041 Commerce Drive, Kearney, MO 64060	View Lobby Hours
Brookfield Branch	322 South Main Street, Brookfield, MO 64628	View Lobby Hours
Ravenwood Branch	124 South Main Street, Ravenwood, MO 64479	View Lobby Hours
Chillicothe Branch	1210 Washington Street, Chillicothe, MO 64601	View Lobby Hours
Maryville Branch	105 North Main Street, Maryville, MO 64468	View Lobby Hours
Burlington Junction Branch	102 West Main, Burlington Junction, MO 64428	View Lobby Hours
King City Branch	101 North Ohio, King City, MO 64463	View Lobby Hours
515 Washington Street Branch	515 Washington Street, Chillicothe, MO 64601	View Lobby Hours
Zona Rosa Branch	7280 Nw 87th Terrace, Suite 112, Kansas City, MO 64153	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.356%	6.250% 0.63 points $3,600 fees	$1,971	Learn More
NMLS ID: 2059741	6.507%	6.375% 0.75 points $4,442 fees	$1,997	Learn More
NMLS ID: 1025894	6.593%	6.490% 0.88 points $3,433 fees	$2,021	Learn More
NMLS ID: 6606	6.823%	6.740% 0.88 points $2,710 fees	$2,074	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

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
Figure Home Equity See Table	Intro APR 7.350 % After Intro: 7.350 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US

Citizens Bank and Trust Company - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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