Citizens Community Mortgage, Auto Loan & Personal Loan Rates & Who Can Join

As of July 10, 2026, Citizens Community offers a money_market mortgage at 1% APR (1% rate, 0 points). Auto loans available from 4.95% APR. Personal loan rates from 4.25% APR.
Source: RateAPI.dev, verified from Citizens Community's official website

Who Can Join Citizens Community

Membership eligibility from Citizens Community's own published criteria. How we verify this.

Community charter: live/work in Boone, Buena Vista, Calhoun +29 more, IA

LocationBoone, Buena Vista, Calhoun, Carroll, Cerro Gordo, Cherokee, Clay, Crawford, Dickinson, Emmet, Franklin, Greene, Hamilton, Hancock, Hardin, Humboldt, Ida, Kossuth, Lyon, Monona, Osceola, Palo Alto, Plymouth, Pocahontas, Sac, Sioux, Story, Webster, Winnebago, Woodbury, Worth, Wright — IA

Cost to join: About $25.

Verified from Citizens Community's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

money_market

1.000% APR

Rate1.000%

Points0

Money Market Account $2,500-$9,999

money_market

1.000% APR

Rate1.000%

Points0

Money Market Account ($2,500-$9,999)

money_market

1.100% APR

Rate1.100%

Points0

Money Market Account $10,000 - $24,999

money_market

1.100% APR

Rate1.100%

Points0

Money Market Account ($10,000 - $24,999)

money_market

1.200% APR

Rate1.200%

Points0

Money Market Account $25,000 - $49,999

money_market

1.200% APR

Rate1.200%

Points0

Money Market Account ($25,000 - $49,999)

money_market

1.300% APR

Rate1.300%

Points0

Money Market Account $50,000 - $99,999

money_market

1.300% APR

Rate1.300%

Points0

Money Market Account ($50,000 - $99,999)

money_market

1.500% APR

Rate1.500%

Points0

Money Market Account $100,000+

money_market

1.500% APR

Rate1.500%

Points0

Money Market Account ($100,000+)

ploc_variable

10.900% APR

Rate10.900%

Points0

[PROMOTIONAL] Line of Credit

Auto Loan Rates

Rates as of July 10, 2026

auto_any

4.950% APR

Rate4.950%

[PROMOTIONAL] New & Used Vehicle Loans

auto_any

4.950% APR

Rate4.950%

[PROMOTIONAL] New & Used Vehicle Loans - $1,500 - $3,999

auto_any

4.950% APR

Rate4.950%

[PROMOTIONAL] New & Used Vehicle Loans - $10,000 and up

auto_any

4.950% APR

Rate4.950%

[PROMOTIONAL] New & Used Vehicle Loans - $100 - $1,499

auto_any

4.950% APR

Rate4.950%

[PROMOTIONAL] New & Used Vehicle Loans - $4,000 - $9,999

Personal Loan Rates

Rates as of July 10, 2026

personal_secured

4.250% APR

Rate4.250%

Share Secured Loans

personal_unsecured

10.900% APR

Rate10.900%

[PROMOTIONAL] Unsecured Loans

personal_unsecured

10.900% APR

Rate10.900%

[PROMOTIONAL] Unsecured Loans - $1,500 - $3,999

personal_unsecured

10.900% APR

Rate10.900%

[PROMOTIONAL] Unsecured Loans - $10,000 and up

personal_unsecured

10.900% APR

Rate10.900%

[PROMOTIONAL] Unsecured Loans - $100 - $1,499

personal_unsecured

10.900% APR

Rate10.900%

[PROMOTIONAL] Unsecured Loans - $4,000 - $9,999

Frequently Asked Questions

What rates does Citizens Community offer?

Citizens Community currently offers mortgage, auto loan, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Citizens Community rates updated?

RateAPI verifies Citizens Community's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Citizens Community's rate data?

Rate data is collected directly from Citizens Community's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Citizens Community's mortgage rate?

As of July 10, 2026, Citizens Community offers a money_market mortgage at 1% APR.

What is Citizens Community's auto loan rate?

As of July 10, 2026, Citizens Community offers auto loans from 4.95% APR.

Related Rate Data

Compare Citizens Community's rates against national credit-union benchmarks.

More Iowa credit unions Mortgage rate benchmark Auto loan rate benchmark Personal loan rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for Citizens Community
curl "https://api.rateapi.dev/credit-unions/iowa/citizens-community" \
  -H "Authorization: Bearer YOUR_API_KEY"

Explore API Documentation Use with Claude