Citizens State Bank's lending team can make your next loan a smooth and enjoyable experience. Our professional lending staff are experienced, established, and work with you to find the right arrangement that fits your needs. We offer competitive rates and financing terms for a wide range of loan products. In addition, all credit decisions are made locally, so you receive prompt decisions from people that are integrally involved in the decision-making process.
We have a full range of agricultural products and knowledgeable lenders to assist with all of your changing needs.
Strong Farming History and Support
Citizens State Bank has a strong belief in supporting our farmers and the entire agribusiness industry. Our roots began with farming and will continue to be a strong part of our philosophy.
Citizens State Bank has a full range of agricultural loans for all of your farming needs including; livestock, equipment and real estate loans. We also work closely with our local FSA offices to provide loan assistance, beginning farmer loans, and guaranteed loans to aid in the success of our agriculture clientele.
Whether you are a small-business owner or a large commercial company, Citizens State Bank has the personnel and products to meet your needs. Stop by and talk to one of our qualified lending officers to learn how Citizens State Bank can be the right partner for your business needs.
Our experienced and friendly lenders are ready to assist you on becoming a homeowner. APPLY ONLINE
Our Commitment to you
Whether you’re buying, building or refinancing, come to Citizens State Bank and we’ll build a mortgage that’s precisely suited to your needs with terms, features and options designed to make home ownership easier than ever.
We have several different mortgage products to meet your needs, including the following:
Personal loans are available for many purposes. We can finance autos, boats, lawn mowers, appliances, home improvements, and much more. Contact one of our lending officers for our competitive rates and flexible repayment options.
We work with Iowa Student Loan to offer private loans to help you pay for college as well as refinance existing student loans. As an Iowa nonprofit and the state’s student loan experts, Iowa Student Loan offers competitively priced loans.*
The Partnership Advance Education Loan and College Family Loan were created to help you pay college costs while you are or your student is in school. With these loans, you know what you’re getting before you apply as all terms and conditions, including credit score requirements for specific rates, are provided upfront.
The Reset Refinance Loan can help you simplify repayment or pay lower interest costs on existing student loans after college. Find the rates and payments you qualify for by completing their online pre-qualification tool to see how you could benefit.
These loans are subject to credit approval.
Tools and Tips to Help Minimize Borrowing
Take advantage of Iowa Student Loan’s free planning tools while planning for college and before applying for student loans to:
Before applying for a private loan, be sure to complete the FAFSA, or Free Application for Federal Student Aid, first. You should also work with our college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.
New Service for Parents to Help Their Students
As students progress through high school, the pressure builds to help them discover a path for success after high school graduation. Is college, a certificate or a skilled trade right for your student? What should students do when, and what can parents do to help them with those tasks? How does all this affect family finances?
A new free service from Iowa Student Loan can help parents with all these questions and more. By registering for the SP3 - Student Planning Pointer for Parents service, you will receive twice-monthly emails providing tools, tips and conversation starters for your students in eight through 12th grades.
All information is based on grade level and is appropriate for the time of year. Written and compiled by the professionals at Iowa Student Loan, a nonprofit committed to helping families successfully pay for education after high school, the emailed information is designed to be simple but effective.
In addition, registered participants are entered into quarterly drawings for contributions to a College Savings Iowa 529 plan.
Interested parents can sign up now at www.sp3.org.
About Iowa Student Loan
Iowa Student Loan was established in 1979 as a private, nonprofit corporation, and its mission is to help Iowa students and families obtain the resources necessary to succeed in postsecondary education.
*Citizens State Bank is compensated by Iowa Student Loan for the referral of student loan customers.
Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
You are leaving Citizens State Bank's website and linking to a third party site. Please be advised that you will then link to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Citizens State Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Citizens State Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.