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Home > Banking > Loans

Personal Loans

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

Home Mortgages

• Occasional Overdraft Protection Services (OOPS Account)

Business Loans

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 qualify.

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.

Equipment Loans

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.




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