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U.S. Patriot Act
Our bank officers know
commercial, consumer, agricultural and real estate lending, and
will help you structure your loan to keep your business running
smoothly and efficiently. Loans for individual needs can be designed
for your personal situation.
Decisions about loans
are made locally. Knowledge of the local and regional economy, and
your situation, help us make lending decisions.
Not sure how much you
can afford? Please use our handy financial calculators
to figure out the numbers for yourself!
PLEASE NOTE: Results
of the financial calculator(s) do not guarantee Loan approval.
Real
Estate and Home Equity Loans
See us when you plan to build, buy or refinance. We have competitive
rates and fees, and best of all, we make everything understandable
and easy. Our financial calculators can help you estimate your mortgage
payment.
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Personal and Vehicle
Loans
Personal loans can be arranged with repayment terms set to meet
your budget. This includes debt consolidation loans, vacation loans,
and auto loans for new or used cars or trucks. Recreational vehicle
loans are available to finance boats and motors, motor homes, campers
and motorcycles.
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Home Improvement Loans
Get a loan to repair, remodel or keep your home warm . . . and save
money too! The Minnesota Housing Finance Agency works with Citizens
State Bank and community housing agencies to provide you with low
interest loans.
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Commercial
Loans
Finance major purchases or cash flow. We will make the effort to
understand your business, and repayment terms can be designed to
match your business cycle. When appropriate, we work with the Small
Business Administration.
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Agricultural
Loans
Use our ag loans to buy land or equipment or for operating capital.
We will make the effort to understand your farm operation, and repayment
terms can be designed to match your farm cash flow. When appropriate,
we work with the Farm Service Agency.
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For more information,
contact a Loan Officer and he/she will be able to help you.
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