Citizens Community Federal National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Oakdale Branch	7035 10th Street N, Oakdale, MN 55128	View Lobby Hours
Rochester Hills Branch	310 W Tienken Road, Rochester Hills, MI 48306	View Lobby Hours
Red Wing Branch	295 Tyler Road S, Red Wing, MN 55066	View Lobby Hours
Chippewa Falls Branch	2786 Commercial Blvd, Chippewa Falls, WI 54729	View Lobby Hours
Citizens Community Federal National	219 Fairfax Street, Altoona, WI 54720	View Lobby Hours
Cameron Branch	2125 Cameron St, Eau Claire, WI 54703	View Lobby Hours
Faribault	150 Western Ave, Faribault, MN 55021	View Lobby Hours
St. James Branch	501 1st Ave S, Saint James, MN 56081	View Lobby Hours
Wells Branch	53 First Streeet, S.W., Wells, MN 56097	View Lobby Hours
Blue Earth Branch	303 South Main Street, Blue Earth, MN 56013	View Lobby Hours
Skyline Shopping Center Branch	2630 Bridge Ave, Albert Lea, MN 56007	View Lobby Hours
St. Peter Branch	1618 S Minnesota Ave, Saint Peter, MN 56082	View Lobby Hours
Fair Mall Shopping Center Branch	1015 Hwy 15 S, Fairmont, MN 56031	View Lobby Hours
Ladysmith Branch	810 Miner Avenue West, Ladysmith, WI 54848	View Lobby Hours
Spooner Branch	322 North River Street, Spooner, WI 54801	View Lobby Hours
Brill Branch	2789 22nd Street, Rice Lake, WI 54868	View Lobby Hours
Rice Lake Knapp Street Branch	1204 West Knapp Street, Rice Lake, WI 54868	View Lobby Hours
Barron Branch	436 East La Salle Avenue, Barron, WI 54812	View Lobby Hours
Minnesota Lake Branch	104 Main Street, Minnesota Lake, MN 56068	View Lobby Hours
Rice Lake Traditional Branch	2850 Decker Drive, Rice Lake, WI 54868	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1945532	6.312%	6.125% 1.00 points $6,400 fees	$1,945	Learn More
NMLS ID: 2578474 License#: 2578474	6.366%	6.250% 0.88 points $3,949 fees	$1,971	Learn More
NMLS ID: 1025894	6.708%	6.625% 0.63 points $2,754 fees	$2,049	Learn More
NMLS ID: 401822	6.758%	6.625% 0.75 points $4,395 fees	$2,049	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
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % 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]
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$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. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). 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. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), 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. Equal Housing Opportunity. 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 Community Federal National Association - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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