Lending

Student Loans

Now you can pay for college the smart way with great repayment options!

The Citizens State Bank Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

To learn more or to apply, please get started here.

Installment Loans

Use Citizens State Bank’s installment loans for anything from purchasing a car to consolidating your debt.  Call one of our loan officers today to get rates, fees and terms for your loan. You may also download the application and fax it to us.
Download Installment Loan Application - PDF

Home Mortgages

We offer all types of home mortgages, including:

• Mortgages for first-time home buyers
• Purchase Loans
• Refinance
• Wheda
• Guaranteed Rural Development

Call one of our loan officers today to get rates, fees and terms for your loan.  No matter what your needs are we will take the time to determine the best options for you. Apply now for a home mortgage.

Home Equity Lines of Credit

Home equity lines and second-mortgage loans help the equity in your home work for you. The variable interest rate on these loans is generally tax deductible.  Call one our loan officers today to get rates and fees.
Download Application - PDF

Overdraft Alternatives

Overdrafts can be embarrassing. So Citizens State Bank offers its customers Sweeps and Stretch credit lines to protect against embarrassing overdrafts.  Sweeps transfer funds from another of your Citizens State Bank accounts to cover any overdrafts.  Stretch credit lines are a form of pre-approved credit attached to a checking account to cover periodic overdrafts. Some fees and interest apply.

Stretch Loans
This personal, unsecured line of credit can cover checking account overdrafts.
See your Lender for details.

Sweeps are used to transfer funds from another account that a customer has with the Bank (no charge-form attached).
Download Application - PDF

Credit Cards

Enjoy the benefits and added services of the Citizens State Bank credit card!
Download Application - PDF

• 6.9% APR introductory rate for the first six months, including balance transfers
• No annual fee
• Cash advances at financial institutions worldwide
• Personalized credit limits to suit your spending needs
• ACH Autopay allows for direct credit card payments from your checking or savings account
• Travel accident insurance is included free when your travel fare is charged to your Citizens State Bank credit card account.
• Local hometown service
• Scorecard Travel Rewards Program www.scorecardrewards.com
• Accepted worldwide
• Statements and current transactions are accessible on-line at www.mycardstatement.com

Clayton:
101 Prentice St. S.
P.O. Box 129
Clayton, WI 54004
715-948-2142

Eau Claire:
1028 N Hillcrest Pkwy
Altoona, WI 54720
715-832-2265

La Crosse:
620 Main St.
P.O. Box 219
La Crosse, WI 54602
608-785-2265

Onalaska:
625 Main St.
Onalaska, WI 54650
608-783-2646