Hours & Locations | Deposit Rates | Contact CCB | Home Mortgage Center Mortgage Center Check Rates Apply Now Finish Applying Resources Home Today's Rates Conventional 30 Year Fixed Rate Rate APR 3.125% 3.168% 20 Year Fixed Rate Rate APR 2.875% 2.935% 15 Year Fixed Rate Rate APR 2.375% 2.451% Government FHA 30 Year Fixed Rate Rate APR 2.625% 3.698% VA 30 Year Fixed Rate Rate APR 2.625% 2.976% USDA/Rural Development 30 Year Rate APR 2.625% 3.133% Personalized Quote Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes. Click Apply Now and complete the application. When you have completed the application, click submit and your information will be reviewed. A Citizens Community Bank Loan Officer will follow up to answer your questions. Click a Rate or APR (Annual Percentage Rate) under Today’s Rates to view additional legal disclosures. You may need to disable pop-up window blockers in your browser in order to view the disclosures. Apply Now Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 618-539-4704. Find A Loan Officer Find a Loan Officer in your area. Rate Watch Sign up to have rates e-mailed to you. You may choose to have rates e-mailed to you when they reach your desired rate, or on a regular basis. Government Loans Looking for a no down payment VA loan or a low down payment FHA loan? You have come to the right place! Home Equity Put your home to work for you with a home equity loan or line of credit. Contact Us | Site Security | Terms of Use | What to Expect NMLS Registry Information for Citizens Community Bank Mortgage Loan Originators Equal Housing Lender | Member FDIC | Privacy Statement | Copyright © 2018 Citizens Community Bank. All Rights Reserved