Student Loans

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

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.

The Smart Option Student Loan features and benefits:

• New interest rate type for Academic Year 2012-13. We now offer competitive fixed interest rates in addition to our low variable interest rates providing even more choice and flexibility.
• Borrow up to 100% of school certified education costs (minimum $1,000)
• Multiple in-school repayment options available
• Borrower benefits available – like rewards and interest rate reductions
• Rates that reward creditworthy borrowers
• Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
• Fast Online Application. Our easy-to-complete application takes about 15 minutes. It's quick and easy.
• 24/7 online account management
• No prepayment penalty.

To learn more or to apply, please get started here.
*We are compensated for the referral of Smart Option Student Loan customers.

In Tune Student Checking

• $50 initial deposit required
• No minimum balance
• Free Debit Card
• Free ATM access to terminals using the Money Pass network, www.moneypass.com
• Free overdraft protection when linked to a regular savings account at Citizens State Bank
• Five Free iTunes Downloads a month (60 per year), not to exceed $6.45 a month
• Free Internet Banking, E-Statements, and Free Bill Pay up to 25 bills a month

To qualify for Free iTunes Bonus each month:

• Student must be 15 years or older to qualify.
• Student must provide a high school or college issued ID card at account opening.
• Student must show a school class schedule at account opening and annually in August. Schedule may be emailed to service@citizensstatebank.us
• Student must provied a valid email address and sign up for E-Statements and Internet Banking.
• Student must transact 12 debit card transactions a month.
• College Student must use Citizens State Bank debit card for iTunes purchases
• iTunes bonus must be used the month they are awarded or they will expire

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