Personal Consumer Loans

Loans designed to fit your needs.

Choose between a secured or unsecured consumer loan with competitive rates and flexible repayment terms. The application process is simple, convenient, and you can start online or with a loan expert. Options include:

Secured and Unsecured
Personal Loans

A loan for just about anything—whether you have an unexpected expense or want to buy something special.


Personal Visa
Credit Card

A Visa Credit Card is a handy way to make payments and keep a record of your purchases, with no application fee.


Home Equity Loans
& Lines of Credit (HELOC)

Using your home's equity can be a sensible, convenient way to finance your next big project.


Mortgage Loans

We've worked with our neighbors for decades to help them buy, remodel, and refinance their homes.


Secured and Unsecured Personal Loans

Friends riding motorcycles financed by Citizens State Bank


Secured Personal Loan

  • Loan secured with approved collateral such as an automobile, land, or CSB deposit account
  • Competitive fixed rates and short or long-term repayment options
  • Rate discounts available on some loans with auto-pay
  • No pre-payment penalty
  • No payments for the first 90 days (optional)
  • Refinance an existing loan with a cash-out option
  • Apply for pre-approval for stress-free shopping
  • Apply through a selected dealer, online, or at any banking center

Unsecured Personal Loan

  • No collateral required
  • Competitive interest rates and short or long-term repayment options
  • Rate discounts available on some loans with auto-pay
  • Regular, fixed monthly payments
  • No prepayment penalty
  • Apply online or at any banking center

CSB - Visa Credit Card


Apply Now

  • No application fee and competitive interest rates
  • No balance transfer fee and no interest on balance transfers for 6 months+
  • Digital Wallet - carry your favorite cards on one device for added security
  • When shopping online with your CSB Visa:
    • You receive fraud protection
    • Your card's easy to use
    • Your card's accepted globally
    • You have Zero Liability** - you’re protected from unauthorized charges when your Visa card is lost, stolen or fraudulently used, online or offline
  • Fraud and Purchase Alerts monitor transactions to identify fraudulent charges before they're approved
  • Reliable, local service with worldwide acceptance
  • Access your account using our digital banking tools

Our ScoreCard Rewards Program:

  • Earn Reward Points for every qualifying purchase
  • May be redeemed for brand-name merchandise or travel
  • Access a catalog with thousands of items at
  • Book a dream getaway - redeem for air travel, cruises, hotel stays, car rentals, vacation packages, and more

To set up your account, you'll need to have your credit card number. If you're having trouble, contact their Help Desk (800-854-0790) or their Travel Help Desk (800-842-3006).

+Subject to credit qualification and normal credit standards. Offer subject to change without notice. Six-month interest-free period begins on the first balance transfer date. After six months, the annual percentage rate on the remaining transferred balance will adjust to a variable rate of 12.48% (Gold) or 17.92% (Classic). Late fees and penalties still apply. See Terms and Conditions for details. **Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details.


We can help you review your current debts and determine if there are alternatives that could help you lower your monthly payments, shorten loan terms, or better fit your overall financial goals.

Loan Review