Citizens Bank of Lafayette - Nationwide Branches

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Branch	Address	View Lobby Hours
Alexandria Branch	100 North Public Square, Alexandria, TN 37012	View Lobby Hours
Smithville Branch	701 South Congress Boulevard, Smithville, TN 37166	View Lobby Hours
Liberty State Branch	311 East Main Street, Liberty, TN 37095	View Lobby Hours
Downtown Branch	214 North Cumberland, Lebanon, TN 37087	View Lobby Hours
Lebanon Main Branch	1035 West Main Street, Lebanon, TN 37087	View Lobby Hours
West Lincoln Street Branch	412 W. Lincoln St., Tullahoma, TN 37388	View Lobby Hours
Merchant Center Branch	2695 Decherd Boulevard, Winchester, TN 37398	View Lobby Hours
Traders National Bank Branch	1602 North Main Street, Shelbyville, TN 37160	View Lobby Hours
Hillsboro Boulevard Branch	1207 Hillsboro Boulevard, Manchester, TN 37355	View Lobby Hours
Traders Tullahoma Branch	120 North Jackson Street, Tullahoma, TN 37388	View Lobby Hours
Scottsville Road Branch	1108 Scottsville Road, Lafayette, TN 37083	View Lobby Hours
Red Boiling Springs Branch	32 Carthage Road, Red Boiling Springs, TN 37150	View Lobby Hours
Westmoreland Branch	990 New Highway 52 East, Westmoreland, TN 37186	View Lobby Hours
East Lake Avenue Branch	101 East Lake Avenue, Celina, TN 38551	View Lobby Hours
Citizens Bank Of Lafayette	400 Highway 52 Bypass West, Lafayette, TN 37083	View Lobby Hours
West Locust Branch	201 West Locust Street, Lafayette, TN 37083	View Lobby Hours
Carthage Branch	50 Main Street North, Carthage, TN 37030	View Lobby Hours
Gainesboro Branch	116 South Grundy Quarles Highway, Gainesboro, TN 38562	View Lobby Hours
Gordonsville Branch	411 Gordonsville Highway, Gordonsville, TN 38563	View Lobby Hours
American Bank & Trust Of The Cumberl	808 West Main Street, Livingston, TN 38570	View Lobby Hours
Neal Street Branch	1450 Neal Street, Cookeville, TN 38501	View Lobby Hours
Willow Avenue Branch	123 N Willow Ave, Cookeville, TN 38501	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1661781	6.122%	6.000% 1.00 points $4,373 fees	$1,919	Learn More
NMLS ID: 447490	6.367%	6.250% 0.75 points $3,958 fees	$1,971	Learn More
NMLS ID: 757416	6.447%	6.375% 0.75 points $2,416 fees	$1,997	Learn More
NMLS ID: 1025894	6.460%	6.375% 0.63 points $2,847 fees	$1,997	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 7.250 % After Intro: 7.250 %	$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
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.75% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

Citizens Bank of Lafayette - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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