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Loans & Mortgages

With loans and mortgages from Citizens State Bank, you have financing options for all kinds of goals. Maybe it’s your dream home, cabin, investment property or that long-awaited remodeling project. Maybe it’s a car, vacation or boat. Or maybe it’s simply an unexpected expense.

Installment & Single Pay

Finance a wide range of personal needs. We’ll work with you to design a repayment schedule that fits your financing needs.

  • Various loan purposes:
    • Automobile
    • Boat, snowmobile and ATV
    • Recreational vehicle
    • Vacation
    • Unsecured
  • Competitive interest rates and flexible terms

Home Equity Line of Credit (HELOC)

A home equity line of credit is a revolving form of credit that uses your home as collateral. If you’re a qualified homeowner with available equity, a home equity line of credit can provide you with:

Living Room Rendering
  • Secured financing based on the equity in your home.
  • A revolving source of funds that you can borrow against and pay back as many times as you’d like during the life of the loan.
  • Potential tax benefits. The interest on your home equity financing may be tax deductible. Consult your tax advisor regarding deductibility of interest.

Home Equity Loan

A home equity loan allows you to use the equity in your home for just about anything you can think of, like debt consolidation, home improvements, a new car or recreational vehicle, wedding expenses, and more with a regular monthly payment.

CD/Savings Secured Loan

A CD secured loan can be a valuable resource if you seek quick access to funds but would like to avoid tapping into your savings. By using your Citizens State Bank CD or Savings Account as collateral for a loan, you can access funds at a lower interest rate than is generally available through unsecured credit products. You’ll also find that the application process and disbursement of funds is quick and hassle-free!

Ready Credit

Ready Credit provides cash when you need it. When you write a check exceeding the balance of your checking account, we will automatically make you a loan from your authorized line of credit. We will deposit the loan amount directly into your checking account to bring your account to a positive balance. We will automatically debit your checking account each month to make the minimum payment required. As borrowed funds are repaid each month, they become available to borrow again. Its flexibility also provides automatic overdraft protection.



Buying a new home is exciting and Citizens State Bank is with you every step of the way to make it a smooth and easy process.

We work with you before you start shopping, to answer your questions and help you find a comfortable buying range through one free and easy prequalification process.

During the process, we walk you through the application and document requirements, work with you to get final approval and streamline the steps that open the door to your new home.

After the close and down the road, we check in to be sure your home and mortgage are meeting your changing needs.


Refinancing your mortgage can help you obtain a lower interest rate, change the length of your term or help you access equity in your home. So how do you determine if a refinance is right for you? Contact us to discuss your financial situation and we will work with you to provide options to achieve your goals.

Build Your Dream Home

You talked about it, dreamed about it, and now you’re ready to build your new home. We can help!

Let CSB make the process a smooth one, from your construction loan to permanent home financing.

Our mortgage lenders offer you:

  • Experience – We know the neighborhoods, construction processes, costs and loan options.
  • Economy – Save money with competitive rates on loan options that fit your needs.
  • Simplicity – Experience a simple process and a smooth transition from your construction loan to permanent home financing.