At Citizens State Bank, it is our goal to help your dreams become a reality. Our consumer loan staff offers personal service and competitive rates on a variety of personal loans to meet your needs. Whether you are purchasing a new or used vehicle, boat, snowmobile, ATV, collectible car, or are looking to take a dream vacation, we have a loan that will work for you.
• Vehicle Loan
• Debt Consolidation Loan
• Personal Line of Credit
• Occasional Overdraft Protection Services (OOPS Account)
Government Guaranteed Start-Up Loans
We offer various types of business loans that are guaranteed by a government agency (i.e. USDA, SBA). This assists borrowers in obtaining credit that may not otherwise quality for credit.
Business Term Real Estate Loan
Growing businesses need loans for the purchase or refinance of real estate and/or other debts. The loan is normally secured by a mortgage on real estate.
We offer loans for the purchase or refinance of equipment or other business assets. The loan is normally secured by a line on a specific asset or a lien on all assets.
Equipment Leasing Program
Citizens State Bank offers qualified business owners an alternative, possibly tax –advantaged, way to finance the purchase of equipment or building for commercial use.
Business Operating Line of Credit
An operating line of credit is a revolving line that is usually secured by business assets and allows the customer the convenience of accessing their loan without the need to contact a loan officer each time a draw is needed.
Please contact a customer service representative at any of our locations for more information about any of our loan products.