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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


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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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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Financial assistance for college students

First Citizens works with Iowa Student Loan® to offer supplemental private student loans to help you pay for college.*

The Partnership Advance Education Loan® (Partnership Loan):

  • Provides terms and conditions upfront, so you know what you’re getting before you apply.
  • Features variable and fixed interest rates.
  • Lets you defer payments or make interest-only payments while you attend school.
  • Offers benefits such as an interest rate reduction and cosigner release.

Compare rates, fees, terms and other loan information Apply online!

Tips to Remember:
Complete the FAFSA first.
The first step in applying for financial aid, which includes federal student loans, is completing the Free Application for Federal Student Aid (FAFSA). The FAFSA is a free form provided by the U.S. Department of Education that may be completed without professional assistance via paper application or online at In your award letter from your college, the financial aid office will inform you of your eligibility for federal student loans.

Work with your college financial aid office.
Contact the financial aid professionals at your college or university to explore and exhaust other sources of federal, state and/or institutional financial aid before seeking a private student loan. Accepting a private loan before using other types of available aid may decrease your eligibility for federal, state and institutional aid.

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 Partnership Loan customers.

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