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: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.870%	5.750% 0.63 points $4,174 fees	$1,868	Learn More
NMLS ID: 399799	6.105%	6.000% 0.75 points $3,756 fees	$1,919	Learn More
NMLS ID: 3030		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, 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-$750K, 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
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
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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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