AUTOMATIC PAYMENT DISCOUNT: Borrowers will be eligible to receive a percentage point interest rate reduction on their Citizens Bank Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic …01/10/2019 · Business Checking II Earnings Credit Factor 2/7/13. Rate may change after account is opened. Fees may reduce earning on account. Substantial interest penalties apply for early withdrawal of funds from Certificates of Deposits/IRA’s. Member ;· For existing Citizens Bank customers with good credit, Citizens Bank can be a great option for a personal loan. The bank offers unsecured personal loans from $5,000 to $50,000 with fixed or variable interest rates, with rates starting at Citizens Banks looks for borrowers with good credit history and annual incomes of at least $24, ;· The APR range for Citizens Bank personal loans is - Their minimum is a little higher than that of some competing lenders, which offer rates as low as 4% to 6% on personal loans. But their maximum is on the low side, as some lenders charge anywhere from 25% to 36%.Get a personal loan for what you need. You could save on higher-interest balances with our competitive rates on personal loans. Competitive rates. No prepayment penalty. Fixed or variable rates. Secured or unsecured. Digital Bank Personal Loan Review: Low Rates and No Personal Loans - Citizens BankLoans - First Citizens BankCitizens Bank Personal Loan Review: Low Rates and No 21/11/2017 · Citizens Bank is best for borrowers who’ve worked with the lender in the past and haven’t had any issues. Its personal loans come with absolutely zero fees, competitive rates and two chances for discounts on your APR. You can also apply with a coapplicant to help you qualify. But don’t discount its awful online that peace of mind knowing you are prepared for life's unexpecteds no matter when or where they come. Citizens Bank credit cards are accepted around the world, and they’re packed with benefits, including: No annual fee; Low introductory rate for the first six months; 24 Hour toll-free live customer assistance; 25 days to pay your balance