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Home Mortgage Rates

Find great rates and expert local service, all right here.



Why choose Citizens Bank?

  • Fast & Free Pre-Approvals: More complete than a pre-qualification, a pre-approval from Citizens Bank tells you how much home you can comfortably afford – and one from a reputable bank can also add credibility to your offer to purchase.

  • In-House Loan Servicing: Have a question about an escrow payment? Need help after an insurance loss? We’re here for you. We service most of our loans in-house, meaning you call us directly – not a toll-free number – for help and answers.

  • Quick, Local Decision Making: Rather than shipping your application off to some faraway land, we review your application internally, and in most cases, we can approve your mortgage in just a few days.

  • Personalized Service + Online Convenience: Apply with the help of an experienced, dedicated loan officer – or on your own, at your convenience, using our online mortgage application. We’re always here to help you throughout the process – how much or how little you need us is up to you.

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Conventional Fixed Rate Mortgages

Rates for all of our 30-year, 20-year, and 15-year fixed rate mortgage loans are quoted in real time.
Why? Because then we ensure we get you the lowest rate possible for your situation.
 
Give us a try! Ready to see what great low rate we can find for you? Contact a lender today.
 




Rates effective as of December 2, 2025
 

Adjustable Rate Mortgage (ARM) Loans

Term Number of Monthly Payments Initial Interest Rate Initial APR Initial Rate Period First Adjusted Rate (thereafter variable)
3/1 Year ARM 360 5.375% 6.303% 3 Years 6.375%
5/1 Year ARM 360 5.500% 6.211% 5 Years 6.375%
7/1 Year ARM 360 6.125% 6.429% 7 Years 6.375%
 
 

Adjustable Rate Construction Loans

Term Number of Monthly Payments Initial Interest Rate Initial APR Points
1 Year ARM Construction 360 5.250% 6.893% 0.000%
3 Year ARM Construction 360 5.250% 6.213% 0.000%
5 Year ARM Construction 360 5.500% 6.693% 0.000%
 
 

WHEDA First Time Homebuyer Program

Term Number of Monthly Payments Servicing Interest Rate APR Points Monthly Payment per $1,000
30 Year Fixed 360 WHEDA 5.750% 5.818% 0.000% $5.84
 
As of 12/2/25, the weekly average yield on US Treasury Securities adjusted to a constant maturity of 1 year is 3.61%.

ARM Assumptions: Annual Percentage Rate (APR) & payment examples based on $300,000 sales price/value, $150,000 loan, $150,000 down payment, $1,462.00 in finance charges, a credit score of 700 or higher & a 30 year amortization. APR will vary based on loan amount & finance charge. After the initial discounted fixed rate period, your rate can increase or decrease annually based on the fully indexed rate. The fully indexed rate is the weekly average yield on US Treasury Securities adjusted to a constant maturity of 1 year plus a margin of 2.75%. First rate adjustment & each subsequent rate adjustment not to exceed 2.00% with a lifetime cap of 6.00%. Your rate will never drop below 2.75%.

ARM Payment Examples:
  • 3/1 ARM: In years 1-3, principal & interest payments of $839.96/month (based on initial interest rate); in year 4, principal & interest payments of $928.97/month (based on current fully indexed rate); in years 5-30, principal & interest payments of $928.97/month (based on current fully indexed rate).
  • 5/1 ARM: In years 1-5, principal & interest payments of $851.68/month (based on initial interest rate); in year 6, principal & interest payments of $925.65/month (based on current fully indexed rate); in years 7-30, principal & interest payments of $925.65/month (based on current fully indexed rate).
  • 7/1 ARM: In years 1-7, principal & interest payments of $911.42/month (based on initial interest rate); in year 8, principal & interest payments of $931.77/month (based on current fully indexed rate); in years 9-30, principal & interest payments of $931.77/month (based on current fully indexed rate).
  • ARM loans are variable rate loans; interest & payments may increase after consummation. 10% down payment required.
 
Construction Loan Assumptions: Annual Percentage Rate (APR) & payment examples assume $375,000 price/value with $75,000 down payment, $300,000 mortgage, $150,000 drawn during construction period, finance charges of $2,378.00 & a minimum credit score of 700. APR will vary based on loan amount & finance charge. Payments during projected 12-month construction phase are interest only on outstanding principal balance, followed by 348 monthly principal & interest payments. After the initial fixed rate period, your rate may adjust annually based on the fully indexed rate. The fully indexed rate is the weekly average yield on US Treasury Securities adjusted to a constant maturity of 1 year plus a margin of 2.75%. Your rate will never drop below 2.75%.

Construction Loan Payment Examples:
  • 1 Year Construction ARM: In year 1, interest-only payments of $656.25/month (based on initial interest rate); in year 2, principal and interest payments of $1,680.30/month (based on initial interest rate); in years 3-30, principal and interest payments of $1,888.04/month (based on current fully indexed rate). After initial fixed rate period of 2 years, your interest rate and monthly payment can increase or decrease annually based on the fully indexed rate.
  • 3 Year Construction ARM: In year 1, interest-only payments of $656.25/month (based on initial interest rate); in year 2, principal and interest payments of $1,680.30/month (based on initial interest rate); in years 3-30, principal and interest payments of $1,877.13/month (based on current fully indexed rate). After initial fixed rate period of 4 years, your interest rate and monthly payment can increase or decrease annually based on the fully indexed rate.
  • 5 Year Construction ARM: In year 1, interest-only payments of $687.50/month (based on initial interest rate); in years 2-6, principal and interest payments of $1,726.63/month (based on initial interest rate); in years 7-30, principal and interest payments of $1,872.10/month (based on current fully indexed rate). After initial fixed rate period of 6 years, your interest rate and monthly payment can increase or decrease annually based on the fully indexed rate.
 
WHEDA Assumptions/Terms: Annual Percentage Rate (APR) based on $281,250 sales price/value, $225,000 loan, $56,250 down payment & finance charges of $2,085.00. APR will vary based on actual loan amount & finance charges. Monthly payment shown is an example based on principal & interest only. Available to borrowers who have not owned a principal residence in last 3 years. 3% down payment required on 1-family properties, varies on additional units. Down payment may be financed separately. Tax and insurance escrow is required. Homebuyer education is required. Income limits apply, based on county where property is located.

 
Terms & Conditions: Private mortgage insurance, property insurance & taxes not included; your actual monthly payment may be higher. Property insurance required; flood insurance may also be required. Valid for 1-4 family owner occupied properties in Wisconsin only. Rates & terms for all loan products are subject to change at any time, without notice. Other terms, conditions, restrictions & fees may apply. Subject to credit approval.

NMLS #746419