Consumer Loans

With a “person to person” philosophy, we will assist you with financing that matches your personal borrowing needs. We offer competitive interest rates and our underwriting process allows for quick decisions. Be sure to come in and visit with one of our experienced loan officers to receive your customized repayment plan that also fits your budget.

The following types of loans are available:

Vehicle Loans

We offer competitive rates for both new and used vehicles, while providing flexible terms and payment options. By having your payment automatically deducted from your checking account you will receive a discounted interest rate. If you are in the market to purchase a new or used car, truck, van, SUV, or motorcycle, be sure to consult with one of our experienced lenders who will customize a repayment plan that fits your budget.

Recreation Vehicles

Think of us if you have interest in purchasing a new or used motor home, camper, snowmobile, boat/trailer, personal watercraft, or ATV. Depending on the type of vehicle, we can offer affordable payments and terms that match your budget. We understand the need for payments that are comfortable so you have some pocket change to enjoy your new toy.

Secured Loans

If you're looking to consolidate debt, finance an appliance, or maybe even take a family vacation, our secured loan may be a good option. By using a Citizens State Bank deposit account (like a CD or savings account) as the collateral for your loan, you can receive better interest rates and longer loan terms. Call or stop by to talk to one of our lenders today to discuss pricing and terms that match your needs.

Home Equity Line of Credit (HELOC)

A loan secured by your primary residence can give you a revolving source of funds with a competitive rate and might have even have positive tax advantages (consequences) for you. We have experienced lenders in the real estate arena that can provide pricing and terms for you.

Overdraft protection

Also known as EZ Advance Ready Reserve, our overdraft protection will automatically deposit funds into your checking account to cover those unexpected expenditures. This protection gives you peace of mind to know that your checks will be paid when you need it most. There is a minimum monthly repayment and you can repay the balance at your convenience. The application process is easy, just give one of our lenders a call or stop by to pick up an application.