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Your Progress


Before you apply, review our eligibility requirements and gather the following information. If you are applying jointly with a qualified cosigner please make sure your cosigner also has the applicable information below.

  • Social Security Number
  • Driver's License Number
  • Employment information (if applicable)
  • Proof of Income information
  • Contact information for one reference

In order to be conditionally approved, an applicant applying alone, must satisfy a minimum income requirement of $25,000 annually. If applying with a creditworthy cosigner, the cosigner must satisfy a minimum income requirement of $25,000 annually through the following situations:

  • Employed and can demonstrate income from current employment (for example, paystub)
  • Receive other income that can be demonstrated as continuous and reliable (for example, protected income such as alimony, child support, etc.)
  • Self-employed and can demonstrate income from such employment (for example, a copy of the most recent year federal tax return)
  • Retired and can demonstrate income

Your Information


In order to protect your data, our application form uses SSL (Secure Socket Layer) encryption when transmitting your information to our secure server.

All applications are subject to credit approval by First Citizens Community Bank. Interest rates vary and are based upon borrower and/or cosigner (where applicable) credit and other underwriting criteria.

IMPORTANT NOTE: This application is for a First Citizens Community Bank Education Loan.

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