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Holmen Location

Citizens First Bank now has
a branch in Holmen.

View Location Details
Local Banking Partner

Your Local
Banking
Partner

Serving communities across
southwest Wisconsin.

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Our Services

Personal Banking

Business Banking

Mortgage Services

Agricultural Services

Welcome to Citizens First Bank! With six convenient locations across Southwest Wisconsin, we’re here to meet your financial needs close to home. Whether you’re opening your first account, applying for a mortgage, or managing your business finances, our personalized service sets us apart.

Open an Account

Personal Banking

Citizens First Bank offers a variety of checking accounts to fit your lifestyle. Our online and mobile banking options give you the freedom to manage your finances anywhere, anytime.

  • Checking Accounts: Manage your money with ease through our secure online banking, mobile app, and ATM access.
  • Savings Accounts: Build your savings with competitive interest rates and flexible account options.
  • Certificates of deposit
  • Individual Retirement Account (IRA)
  • Credit Card
  • Mobile and Online Banking: Bank on the go with features like mobile check deposit, bill pay, account alerts, and managing your debit card.

Simplify your financial life with our comprehensive personal banking services. With Citizens First Bank, you’ll receive the personalized attention you deserve to achieve your financial goals.

Business Banking

Growing your business with assurance is our priority.

We are proud to assist area businesses with cash management services, business checking accounts, and timely, local lending decisions. Your success is important to our communities, and it’s important to us. Whether you’re starting or growing a business, you can count on us for better business banking services.

  • Business Checking and Savings: Simplify your cash flow management.
  • Commercial Loans: Invest in growth with competitive rates and flexible terms.
  • Cash Management Tools: Optimize your finances with tools like remote deposit capture and ACH services.
  • Credit Card

Commercial loan officers

  • Eric Moilien
  • Arnie Rettler

Partner with a bank that understands the needs of local businesses and is dedicated to helping you succeed.

Happy Peoples

Mortgage Services

Turn your homeownership dreams into reality with our custom mortgage solutions. Whether you’re a first-time homebuyer, refinancing, or building your dream home, our experienced lenders are here to guide you.

Let Citizens First Bank be your trusted partner on the journey to owning your home.

Competitive rates and flexible terms.

Expert guidance throughout the mortgage process.

Pre-qualification and refinancing options available.

Personalize your quote with our easy online tools.

Apply online in minutes.

Stay informed about today’s featured rates.

Meet Our Expert Loan Officers

At Citizens First Bank, we pride ourselves on offering personalized home financing solutions. Our dedicated team of Mortgage Loan Officers is here to make your journey smooth and stress-free.

  • Tracey Eddy
  • Molli Hundt
  • Karya Eitland
  • Jeremy Pronschinske

Each of our loan officers brings a wealth of experience to the table, ensuring you receive the guidance and support needed to make informed decisions about your mortgage options. With their expertise, you’ll have the confidence to navigate the home loan process with ease.

Start your search today and connect with the right expert for your home financing needs.

Agriculture

Agricultural Services

Rooted in the heart of Southwest Wisconsin, we’re proud to support local farmers and agricultural businesses.

  • Farm Loans: Invest in equipment, land, and operations with confidence.
  • Lines of Credit: Manage seasonal cash flow with flexible options.
  • Specialized Expertise: Work with lenders who understand the unique challenges of the agricultural industry.

Ag loan officer

  • Zac Hall

We’re a family-owned rural community bank that understands the needs of family farms. Allow us to help identify and customize the right loan package for your farm or agribusiness. Grow your agricultural business with a bank that values your hard work.

Loans for Every Need

Need a loan? We can help.

Our range of loan products includes:

Personal and installment loans offer flexible financing for various needs, such as debt consolidation, medical expenses, or large purchases. With fixed interest rates and predictable monthly payments, these loans provide a straightforward way to borrow money over a set period.

A home equity loan allows you to borrow against the equity in your home. It offers a lump sum with a fixed interest rate and repayment term. This type of loan is ideal for major expenses like home renovations or debt consolidation.

A Home Equity Line of Credit (HELOC) lets you borrow money against your home’s equity, offering a revolving credit line with variable interest rates, typically used for large expenses or home improvements.

Recreation loans help finance leisure activities, including purchasing boats, RVs, motorcycles, and other recreational vehicles. These loans often come with flexible terms and competitive interest rates, making it easier to enjoy your hobbies and adventures.

Construction loans are short-term loans designed to finance the building of a new home or major renovations. These loans typically have a low fixed rate and are converted into permanent mortgages once construction is completed, making them ideal for homeowners starting a large project.

Automobile loans are secured loans used to finance the purchase of a vehicle, where the vehicle itself serves as collateral.

For fast, friendly, local loan assistance, speak with one of our loan professionals at any of our six branches in Viroqua, Viola, Sparta, Trempealeau, Holmen, and Centerville. Our lenders are ready to help. Stop by one or call one of our branches today!

Mobile App Features

Banking is more convenient than ever with the Citizens First Bank mobile app.

  • Mobile Check Deposit: Deposit checks anytime, anywhere.
  • Account Monitoring: Stay updated with balance alerts and transaction tracking.
  • Zelle®: We’ve partnered with Zelle® to offer a quick and easy way to send and receive money directly from your account. With Zelle®, you can transfer funds to enrolled recipients in minutes using their email address or U.S. mobile number, all through online banking or our mobile app.
  • Debit Card controls
    • Manage travel plans, set your PIN, report card lost or stolen, set debit card alerts

Experience the ease and security of mobile banking with a people-first
approach.

Citizens First Bank is here to help with all your banking needs.

Visit one of our six locations or get started online today. With a focus on personalized service and innovative solutions,
we’re your partner for financial success.

About Citizens First Bank

As a family-owned community bank with roots dating back to 1969, Citizens First Bank is proud of its role in helping people and businesses grow and thrive in Viroqua, Sparta, Trempealeau, Viola, Centerville, and Holmen.

We are pleased to provide jobs and contribute to the vitality of the communities we serve. In an area rich with fertile farmland and hard-working people, we have always had close ties to farming and agriculture. Our love of the land and community shines through in the services we provide to our customers.

We make decisions daily that impact the lives of our neighbors, friends, and community members. We take that responsibility seriously. When you need a loan or financial assistance, you can rely on us for professional, top-quality service.

At Citizens First Bank, our mission is simple:

To help our communities thrive by enabling people to achieve their financial dreams.

We’re here to build lasting relationships and empower your financial success. For decades, we’ve been a cornerstone of the communities we serve, committed to offering innovative solutions and friendly, people-focused service.

Our team understands the importance of local connections. That’s why we provide a wide range of financial products, from everyday banking to specialized loans, all tailored to your unique needs. Experience the difference of banking with people who truly care.