Kiel Progress briefs 2012
Citizens Bank has multiple services

The economy is showing signs of improving and business owners are cautiously positioning their business for growth.

Individuals are also starting to see the change and it is having a positive impact on the financial outlook as well.

“Although cautious, when talking with clients, there is a sense of optimism about the recovery of our economy,” said Citizens Bank –Kiel Branch Manager Debra Leidy. “And, even though I’m a relative newcomer to the community, I can see that, even locally, people are beginning to feel more confident about their future.”

Leidy moved to the area from New Jersey early last year and became the Kiel branch manager in December 2011. “It’s been a wonderful experience and the greater Kiel community has made me feel like this has been my home for my entire life,” she said. “I couldn’t be happier and, with things moving in a positive direction, I’m looking forward to continuing to work with individuals and business owners to help them positively position their financial future.”

That is especially true for loans of all types. Interest rates are at or near all-time lows so now is a great time to be talking with a trusted banker about personal or business goals and to determine if there are better opportunities to achieve them.

Leidy said Citizens Bank offers a wide range of services including:

Small Business Association (SBA) Loans: Citizens Bank is a preferred lender and understands the great benefits SBA programs offer businesses to grow and expand.

Equipment loans for businesses and Agriculture: Business owners and farmers can utilize low-interest loans to replace assets such as machinery, equipment, furnishings, computers and vehicles.

Business loans: Citizens provides flexible terms and business mortgages.

Mortgage loans: With interest rates at or near all-time lows, now is a great time to consider buying a home or refinancing a current home to save money.

Home equity lines of credit: Establishing a home equity line of credit is wise to help protect yourself in times when you might need access to money quickly and easily.

Plus, the bank still offers free checking.

“Now is a great time to be talking with a banker to determine what’s best for your individual situation,” Leidy said. “We look forward to meeting your needs.”

Citizens Republic Bancorp is a diversified financial services company providing a wide range of commercial, consumer, mortgage banking, trust and financial planning services to a broad client base. Citizens serves communities in Michigan, Ohio, Wisconsin and Indiana with 219 offices and 249 ATMs. Citizens Republic Bancorp is the largest bank holding company headquartered in Michigan with roots dating back to 1871 and is the 57th largest bank holding company headquartered in the U. S.

Citizens Bank is a member FDIC, equal housing lender.