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Preferred Branch

Mason City (641)423-1600 Change Location

Your Preferred Branch

Mason City Change Location

2601 4th Street SW
Mason City, IA 50401

Tel.(641)423-1600

Hours
Monday-Thursday: 9:00am - 4:00pm
Friday: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
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Change Preferred Branch

  • Charles City Branch
    300 North Main Street - Charles City

  • Clarion Branch
    315 Central Avenue East - Clarion

  • Kanawha Branch
    220 North Main Street - Kanawha

  • Latimer Branch
    119 North Akir Street - Latimer

  • Mason City State Street Branch
    33 East State Street - Mason City

  • Mason City West Branch
    2601 4th Street SW - Mason City

  • Mora Branch
    730 Forest Ave East - Mora

  • New Hampton Branch
    124 West Main Street - New Hampton

  • Osage Branch
    501 Main Street - Osage

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Customized Loans Designed to Fulfill Your Specific Needs

Life is full of big moments and milestones, including some you don’t always plan for. We’re here to help when these milestones require a larger financial investment than you can make alone.

Investing in our communities through various lending solutions is just one more way we build up the people and places we serve.

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Loans for whatever you need!

The need for a new vehicle or major appliance is going to come up in life. When it does, know you have an experienced lending partner ready to help. We can also help finance fun with loans for boats, campers and RVs.

Make an appointment with a lender at any of our offices.

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Use your home's equity to your advantage

As you make payments on your home loan, you build up equity. This equity can be tapped into for a home equity loan, an ideal solution if you need cash for a home remodel, debt consolidation or other needs.

It can also be received in the form of a home equity line of credit. This solution allows you to borrow money as you need it and only repay for what you use.


On-Site Wastewater Assistance Program (OSWAP)

This type of loan provides assistance to Iowa homeowners not served by a public sewer. Homeowners may obtain a low-interest loan through First Citizens for the replacement of inadequate or failing septic systems. According to Iowa law, all septic systems, regardless of when they were installed, must have a secondary wastewater treatment system following the septic tank.

See Eligibility Requirements


Alternate Energy Revolving Loan Program (AERLP)

First Citizens partners with The Iowa Energy Center to offer a zero interest financing program that encourages the construction of renewable energy production facilities in Iowa.

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Student Loans

First Citizens works with Iowa Student Loan® to offer supplemental private student loans to help you pay for college as well as refinance existing student loan debt. As an Iowa non-profit and the state's student loan experts, Iowa Student Loan offers competitively priced loans.*

The Partnership Advance Education Loan® (Partnership Loan) and College Family Loan were created to help you pay college costs while you are or your student is in school.

  • The Partnership Loan is for students and their cosigners.
  • The College Family Loan is for parents, family members and others who wish to borrow on behalf of a student.

The Reset Refinance Loan can help you simplify repayment or pay lower interest costs on existing student loans after college.

With these loans, you know what you're getting before you apply as all terms and conditions, including credit score requirements for specific rates, are provided upfront. In addition, there are no upfront origination fees and you can earn an interest rate reduction for making payments by auto-debit in repayment. Note: These loans are subject to credit approval.

Learn more and apply

Tools and Tips to Help Minimize Borrowing

Take advantage of these smart borrowing resources while planning for college and before applying for student loans. These free resources include online tools to help students and families:

  • Avoid over borrowing.
  • Explore jobs and potential earnings for graduates of specific majors.
  • Estimate total college costs for four years of undergraduate students.

Before applying for a private loan, be sure to complete the FAFSA, or Free Application for Federal Student Aid, first. You should also work with our college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

About Iowa Student Loan
Iowa Student Loan was established in 1979 as a private, nonprofit corporation, and its mission is to help Iowa students and families obtain the resources necessary to succeed in postsecondary education.

*First Citizens Bank is compensated by Iowa Student Loan for the referral of student loan customers.

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