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Loans

Consumer

Lending money for worthwhile purposes is our business. First State Bank & Trust Company's lending officers take pride in their ability to process loan transactions with minimum delay and red tape.

We want your loan business and we'll give you low bank rates and comfortable repayment terms that vary with the type of loan. Contact Us!


Auto Loans

First State Bank & Trust Company will help you get behind the wheel in no time!

With our quick decisions, competitive rates, and excellent customer service, we are ready to help you finance your auto whether it's brand new or just new to you.

Click here to print and fill out an Application or contact us today.

Wondering about the value of your car? Click here and find out!


Construction Loans

Perhaps you haven't been able to find that perfect home and your solution is to start from scratch.

We can build a construction loan specifically for you. As with all of our mortgage products, we offer competitive rates and flexible terms.

Click here to print and fill out an Application or contact us today.


Home Equity Line of Credit

First State Bank & Trust Company's Home Equity Line of Credit allows you immediate access to the equity in your home for use when and how you please, and at an attractive interest rate.

You may even be allowed to deduct the interest because the debt is secured with your home.

Click here to print and fill out an Application or contact us today.


Home Improvement

Does your home need a facelift? Come see one of First State Bank & Trust Company's lending professionals.

We can help you turn your home into the home of your dreams at an attractive interest rate.

Click here to print and fill out an Application or contact us today.


Personal Loan

Whether you are looking to consolidate debt, pay for college, or need money for other purposes, we have a loan to fit your needs.

Complete an Application and return it to our Main Bank Location for a personalized assessment of your needs. Contact us for additional information.


Cash Reserve Account

Cash Reserve Account is the name for our personal "line of credit" that's tied to your First State Bank & Trust Co. checking account. In essence, the Cash Reserve Accounts lets you approve your own loan on the spot.

If you want to write a check for more than you have in your checking account, you can, and we'll put the money in your account in multiples of $250 (up to your approved limit). The cost for this service is merely $15 per year and a $1 transaction fee each time the account advances, in addition to the interest charged. Payments are automatically deducted each month from your checking account. If you should happen to overdraw your checking account, your Cash Reserve Account automatically provides the protection you need to save you the embarrassment as well as the overdraft charge!

Complete an Application and return it to our Main Bank location.