Call, come by our location in Abilene or Knox City, TX or apply online. You'll always deal with a friendly, local banker who can walk you through the application process. We understand that borrowing for a new car, or a new home, or maybe even a new boat is a big step. That’s why we want to offer you the personal assistance necessary to make this process easier. You will find that the interest rates offered by Citizen’s Bank are very competitive. Plus the level of personal service you will get is unmatched.