Online Banking
Enroll
Term Compounding Interest Rate APY Min. Deposit
3 Months At Maturity 0.05% 0.05% $500
6 Months At Maturity 0.10% 0.10% $500
12 Months
Quarterly
0.20%
0.20%   $500
18 Months Quarterly 0.25% 0.25% $500
24 Months Quarterly 0.35% 0.25% $500
30 Months
Quarterly
0.50%
0.50%
 $500 
36 Months Quarterly 0.55% 0.55% $500
48 Months Quarterly 0.65% 0.65% $500
60 Months Quarterly 1.05% 1.05% $500
Deposit Rates effective as of August 1, 2017.

Deposits of $500 or more may be added to an IRA certificate of deposit at any time. IRA deposits are subject to rules for IRA accounts. Certificates of Deposit will automatically renew at maturity. Rates are subject to change. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawals, fees and other conditions could reduce earnings. A penalty may be imposed for early withdrawal.

*Annual Percentage Yield (APY) is valid as of 1/11/16 and subject to change at any time without notice. Minimum opening balance is $10,000. Offer is good for opening balance of at least 50% new money not on deposit at Citizens Bank of WV. The CD will automatically renew into a regular 12 month CD upon maturity at the prevailing rate. Account is subject to early withdrawal penalty. Fee may reduce earnings. Member FDIC.

Term Interest Rate APR Payment Stream*
Adjustable Rate Mortgage (ARM)
1/1 ARM 3.00%3.082% 12 payments of $421.71
360 months amortization
3/1 ARM 3.75% 3.836% 36 payments of $463.26
360 months amortization
5/1 ARM 4.00% 4.087% 60 payments of $477.57 
360 months amortization
7/1 ARM 4.75% 4.841% 84 payments of $521.84
360 months amortization
10/1 ARM 5.50% 5.596% 120 payments of $568.02
360 months amortization 



Fixed Rate Mortgage
15 Year Fixed 3.875%
4.178% 180 payments of
 $733.44
30 Year Fixed 4.250% 4.425% 360 payments of 
$491.94

Home Equity
Home Equity Line of Credit
3.25% 3.25% billed monthly at 1% of balance
Special Program for First Time Home Buyers! 

Mortgage Rates effective as of August 8, 2017 and subject to change at any time. The following additional terms and disclosures should be reviewed in conjunction with the information provided above.

Adjustable Rate Mortgage: The initial interest rates for the 1 Year ARM, 3/1 year ARM, 5/1 Year ARM, 7/1 Year ARM, and 10/1 Year ARM is in effect for the first 12 months, 36 months, 60 months, 84 months, or 120 months respectively. Subsequent to the initial interest rate period, the APR is subject to change every 12 months. The interest rate reflects a 0.25% optional discount for an automatic payment from a Citizens Bank deposit account. The Annual Percentage Rates (APRs) disclosed above are based on a $100,000 loan amount, a $1000 origination fee, at least a 20% down payment, the payment of certain customary fees at loan closing, credit score of at least 740, and assumes a purchase of an owner-occupied one unit dwelling with no secondary financing for a property located in Randolph County, West Virginia. Give us a call at 1-800-797-5790 for terms available in your area. Higher interest rates may be required for loans that have less than a 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Citizens Bank of West Virginia offers many different mortgage products; your APR may vary depending on the product for which you apply. All loans are subject to credit approval, appraisal demonstrating sufficient value, hazard insurance, flood insurance, if property is located in a special flood hazard area and a title search.

Fixed Rate Mortgage: These interest rates are available for loan amounts up to $424,100. The Annual Percentage Rates (APRs) disclosed above are based on a$100,000 loan amount, a $748.50 processing fee, a $500 underwriting fee, at least a 20% down payment, the payment of certain customary fees at loan closing, a qualifying credit score, and assumes a purchase of an owner-occupied owned unit dwelling property located in Randolph County, West Virginia. Give us a call at 1-800-797-5790 for terms available in your area. Mortgage Insurance maybe required for loans that have less than a 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Citizens Bank of West Virginia offers many different mortgage products; your APR may vary depending on the product and terms for which you apply. All loans are subject to credit approval, appraisal demonstrating sufficient value, hazard insurance, flood insurance, if property is located in a special flood hazard area, and a title search.

Home Equity: The rate reflects a 0.25% discount for optional automatic payment from a Citizens Bank deposit account and a loan amount of at least $10,000 and an initial draw of $5000. Rates shown assume property will be owner-occupied. There is an annual maintenance fee of $50. The Annual Percentage Rate (APR) is variable and can change daily, but will never be higher than 6% over the initial rate or 9.25%. The APR is based on a credit score of at least 740 and prime minus a margin; "prime" means Wall Street Journal published prime rate, (if published in a range, the highest number in the range will be used). Use of the word "prime" does not mean that the rate is the best or lowest offered by any lender. The amount of savings realized with debt consolidation varies by loan. Since a home equity line may have a longer term than some of the bills being consolidated, there may not be a savings over the entire time of the line if you make only the minimum payments. The minimum payment requirement is 1% of the outstanding balance billed monthly for the first 10 years. When the loan reaches the 10 year mark, the line will convert to an amortizing loan to be paid in equal monthly installments over the remaining 10 year term. Offer is available for new Citizens Bank home equity lines only. Rates are subject to change at any time. All loans are subject to credit approval, appraisal demonstrating sufficient value, hazard insurance, flood insurance, if property is located in a special flood hazard area and a title search.

*The payment stream information represents only the monthly principal and interest of your payment. Payments do not include amounts for taxes and insurance premiums, and your actual payment obligation will be higher.

NMLS ID: 509420
Model Year Term Rates
as low as
APR 
as low as
Payment Amount 
per $1000 borrowed

New - 2016 48 2.00% 2.195% $21.81
63 2.30% 2.451% $16.95
75 2.90% 3.027% $14.67
2015 63 2.60% 2.751% $17.09
75 3.20% 3.328% $14.81
2014 63 2.90% 3.051% $17.22
75 3.50% 3.628% $14.94
2013 48 2.90% 3.095% $22.20
60 3.20% 3.358% $18.15
2012 54 3.25% 3.425% $20.03
2011 48 3.25% 3.446% $22.36
2010 48 4.00% 4.195% $22.70
Auto Loan Rates effective as of August 1, 2017 and subject to change at any time.

Subject to application and credit approval. Rates available for terms up to 75 months for $5,000 or more unless loan to value is 50% or less. Rates available subject to meeting certain underwriting criteria. Your rate may be different depending on credit history. Rates reflect a 0.25% discount for optional automatic payment from a Citizens Bank deposit account. Annual percentage rates (APR) based on $25,032 amount financed, including a $100 origination fee. Other rates, terms, payments and loan amounts are available. Citizens Bank will finance up to 100% of M.S.R.P. on new autos or NADA retail on used vehicles. The maximum term to finance an auto with more than 100,000 miles is 36 months. Call a personal banker for rates on Model Years 2007-2009.
Model
Year
Term 
Min. Amt.
Rates
as low as
APR
as low as
Payment Amount
per $1000 borrowed
New-2016 60 months
$5,000
5.64% 5.799% $19.26
120 months
$10,000
5.64% 5.726% $10.98
144 months
$15,000
6.14% 6.214% $9.88
180 months
$25,000
6.14% 6.202% $8.56
Used
2013-Newer
60 months
$5,000
6.64% 6.799% $19.73
120 months
$10,000
6.64% 6.727% $11.49
2010-2012 60 months
$5,0000
7.14% 7.300% $19.97
72 months
$7500
7.14% 7.276% $17.20
2007-2009 60 months
$5,000
7.64% 7.799% $20.21
Rates effective as of August 1, 2017 and subject to change at any time.

Subject to application and credit approval. Rates available subject to meeting certain underwriting criteria. Your rate may be different depending on credit history. Annual percentage rates (APR) based on $25,032 amount financed, including a $100 origination fee. Other rates, terms, payments and loan amounts are available.
Online Banking
Enroll