Personal Banking / 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 the gap between federal loans and the additional 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 to get rates, fees and terms for your loan. You may also download the application and fax or email it to us.
Download Installment Loan Application - PDF

Home Mortgages

We offer all types of home mortgages, including:

  • FHA.
  • Mortgages for First-Time Home Buyers.
  • Purchase Loans.
  • Refinance.
  • USDA.
  • VA.

Call one of our loan officers to get rates, fees and terms for your loan or click here to apply now! No matter your needs we take the time to determine the best options for you.

Home Equity Lines of Credit

Home equity lines of credit 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 to get information on rates and fees or email the application below.
Download Application - PDF

Overdraft Options

Citizens State Bank offers Sweeps and Stretch credit lines to protect against overdrafts. 

Overdraft Line of Credit

Overdraft credit lines are a form of pre-approved credit attached to a checking account to cover periodic overdrafts.Some interest and fees apply.

Sweep Transfers

Sweeps transfer funds from another Citizens State Bank account to cover an overdraft amount. (no charge-form below).
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. For more information www.scorecardrewards.com
  • Credit card is accepted worldwide.
  • Statements and current transactions are accessible on-line at www.mycardstatement.com.