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.


Installment Loan

Experts recommend reviewing your loans every year, and at a minimum after major life events and no longer than every three years.


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

Visa© Credit Card


Apply Now

  • Competitive rates
  • No application fee
  • No balance transfer fee and No interest on balance transfers for 6 months+
  • ScoreCard® Rewards - earn points redeemable for rewards just by using your card*
  • Digital Wallet - carry your favorite cards on one device for added security
  • Verified by VISA - Provides an extra level of security for online purchases
  • Fraud and Purchase Alerts monitor transactions to identify fraudulent charges before they're approved
  • Reliable, local service with worldwide acceptance

*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 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 interest rate on remaining transferred balance will adjust to 12.48% (Gold) or 17.92% (Classic). Late fees and penalties still apply. See Terms and Conditions for details.

Installment Loan Review

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.