
Personal Loans
Looking to get more life out of your money? We have the solutions to help your dreams go further. Whether it be a personal loan to cover expenses, a home, land, vehicle, or ag-related loan, we've got you covered.
Looking to get more life out of your money? We have the solutions to help your dreams go further. Whether it be a personal loan to cover expenses, a home, land, vehicle, or ag-related loan, we've got you covered.
Whether you're buying or building your first house, remodeling your forever home or financing a major milestone, a CSB home loan can help make it happen. We get to know you before finding the right solution for your current, and future goals.
The home-buying process is complicated enough without having to worry about finding the right financing. We can make things simpler. With more than 95 years of financial strength behind us, we'll guide you toward the right loan solution, work alongside your real estate agents and builders, and keep communication open at every step.
As life changes and your financial needs shift, we can help you use your home to fund the next phase.
Building a home can be as stressful as it is exciting. Unforeseen costs arise. Traditional home loans don't kick in until construction is complete. Learn more about construction loans from your CSB representative.
You May Be Approved for One of the Following Loan Type (All loans subject to borrower qualifications)
Citizens State Bank now offers Conventional and Government mortgages for home purchases, rate/term refinances, home equity loans, and construction to permanent financing. Available loan programs include products for primary residences, second homes, and investment properties. You can now access the same rates and terms offered by larger banks with the convenience of working through your local bank. All loans are subject to borrower qualifications.
Conventional - Typically a great option for buyers not looking to stay in a new home for many years, or those who plan to make partial or full payoffs within a shorter period of time.
Fixed Rate Mortgage - Enjoy the stability of constant rates and payments with a Fixed Rate Mortgage from CSB. Fixed terms of 30, 20, or 15 years help make budgeting easier and more concrete.
FHA & VA Mortgage - Federal programs, often requiring little or no money down, can help make the dream of home financing - and home ownership - available and affordable for many borrowers.
USDA - Government-sponsored, affordable housing programs designed for the non-traditional homebuyer in rural areas.
Jumbo - Currently a loan is considered jumbo when it exceeds $548,250. Jumbo Mortgages provide funds necessary to purchase or refinance the dream homes of those with jumbo dreams.
A purchase pre-approval is a great first step in your home buying journey. Some of the benefits include:
Documents Required for Loan Approval - Additional Information may be requested as needed. Please disregard any that don’t apply.
All Borrowers
Self-Employed Borrowers
*If a tax return for the previous year has not yet been filed, underwriting will require a profit & loss statement for the full year.
A new vehicle purchase doesn't have to complicate your budget. CSB offers secured loans with a simple monthly repayment schedule. We can even automatically pull payments from your CSB checking or savings account.
Loan can be used to purchase or refinance a new or used vehicle of your choice.
Personal loans give you flexibility to take more control over your finances. Prepare for the unexpected, consolidate debt to simplify your budget - we can help you get access to the cash you need to do it all. Loans start from as little as $1,100 up to $10,000 and rates are based on current market and credit worthiness.