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Citizens First Bank financial blog offers helpful information on topics like saving, budgeting, loans, retirement, and lifestyle finances.

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The Basics of VA Loans: What Every Veteran Should Know 

At Citizens First Bank, we understand that homeownership is an important milestone, and for veterans and service members, a VA loan is an excellent opportunity to make that dream a reality. Thanks to the U.S. Department of Veterans Affairs (VA), veterans, active-duty service members, and their families can benefit from a unique mortgage program that […]

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Down Payments and Closing Costs in the Home Buying Process

The Role of Down Payments and Closing Costs in the Home Buying Process 

Understanding down payments and closing costs is essential for a smooth and successful home-buying process. At Citizens First Bank, we aim to demystify these crucial components, helping you navigate your journey to homeownership with ease and confidence.  Down Payments: Setting the Foundation  A down payment is an initial upfront payment you make when purchasing a […]
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What to Know About 401k Social Security Changes

What to Know About 401(k) and Social Security Changes This Year

What new 401(k) developments might mean for your retirement nest egg. Inflation and higher prices impact nearly everyone’s budgets, but especially seniors and retirees living on a fixed income. Learn what these significant changes happening to 401(k) and Social Security plans mean for your financial future. 401(k) contribution limits are increasing. The 401(k), 403(b) and […]
Read More What to Know About 401(k) and Social Security Changes This Year
How to Protect Kids from Fraud

How to Protect Your Kids from Fraud

Follow these tips to keep your kids financially safe and aware. Unfortunately, children and teenagers can be easy targets for fraud. However, it’s not too late to teach your kids about online security habits and money management to help prevent scams from occurring. Encourage your kids to implement these skills to establish financial responsibility and […]
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4 Summer Jobs For Students

4 Summer Jobs for Students

Consider these positions when summer job hunting.  If you’re a student, chances are you may be in need of summer work. The summer months are the perfect time to relax, enjoy warm weather, and make some extra money. The earlier you start searching for a job, the better. Not only will you have more options, […]
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Two farmers celebrating the loan they got from Citizens First Bank.

Navigating FSA Loans

Are you a farmer or aspiring agricultural entrepreneur with dreams of growth and prosperity? At Citizens First Bank (CFB), we understand the unique financial needs of the agricultural community. We’re here to guide you through the process of securing the right loans for your goals. In this comprehensive guide, we’ll take you through the steps […]
Read More Navigating FSA Loans
Young woman using security tips to keep her online banking accounts safe.

Top 5 Online Banking Security Tips to Keep Your Account Safe 

Online banking has revolutionized how we manage our finances. The convenience of checking balances, transferring money, and paying bills from your smartphone or computer is hard to beat. However, with this convenience comes responsibility—ensuring that your accounts remain secure from cyber threats. At Citizens First Bank, we prioritize your security and want to share five […]
Read More Top 5 Online Banking Security Tips to Keep Your Account Safe 
A model house with a Veteran signing paper in the background.

Understanding VA Loans with Citizens First Bank: A Guide for Veterans 

For many veterans, active-duty service members, and their families, the dream of owning a home is a significant milestone. Thanks to the VA loan program, this dream can become a reality with fewer financial barriers. VA loans offer a range of benefits that make homeownership more accessible, from no down payment requirements to competitive interest […]
Read More Understanding VA Loans with Citizens First Bank: A Guide for Veterans 
Wealth gradually increasing.

Building Wealth Gradually

In the fast-paced world of finance, where trends and markets can change in an instant, Citizens First Bank stands out for its steadfast commitment to a slow and steady approach to building wealth. In this blog, we’ll explore the power of patience and consistent saving, highlighting how Citizens First Bank’s philosophy aligns with the principles […]
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Man taking money out of wallet stick figure.

Smart Spending: How to Cut Expenses

Today, we’re diving into the world of smart spending. Yes, we get it; managing finances can sometimes feel like a balancing act. But fear not, because at Citizens First Bank, we’re all about empowering you to cut expenses without sacrificing the quality of your life. So, let’s go on this journey together and discover practical […]
Read More Smart Spending: How to Cut Expenses
Calculator, savings, and a created budget.

Creating a Realistic Budget 

Creating a realistic budget can be a crucial step toward financial stability and achieving your financial goals. At Citizens First Bank, we understand the importance of effective budgeting, and we’re here to guide you through the process. In this comprehensive how-to guide, we’ll provide you with practical steps to help you create a realistic budget […]
Read More Creating a Realistic Budget