Our experienced loan officers take the time to understand your financial needs. We offer competitive rates and flexible terms. Whether your need is to purchase a new car or that dream vacation, we can help you choose a loan that will fit within your budget. Below are some of the consumer loan products available.
- Auto Loans
- Recreational Vehicle Loans
- Home Improvement Loans
- Personal Loans
Please call or stop in with your completed Consumer Loan Application for fast answers to your loan questions and financial decisions.
Are you looking to start your own business? Is your business expanding and needing to purchase new equipment or inventory? Do you need funds to increase your working capital or assistance with cash flow? Our bank is committed to the growth and future development of our community and offers many types of loans for existing and new businesses. We can help set up the right financing structure to support your cash flow and accomplish your business goals. Some of the business financing we provide includes:
- Equipment/Fixture/Term Loans
- Operating Lines of Credit
- Commercial Real Estate Loans
- SBA Guaranteed Loans – SBA 7(a) Loans, SBA LowDoc
- Floor Plan Loans
- Truck or Trailer Loans
Please call or stop in with your completed Commercial Loan Application and a current financial statement or your business plan and ideas and together we can make an informed business decision.
Our bank has been helping farmers and their families for 75 years with financing that is designed to work for your unique farming needs. We pride ourselves in understanding the financial challenges of today’s farmers. Our Ag-lending provides:
- Farm Operating Lines of Credit
- Machinery and Equipment Purchases
- Livestock Purchases
- Farmland/Real Estate Purchases
- FSA Guaranteed Loans
- First Time Farmer Loans
We invite you to visit with our Ag Representative to determine the borrowing options that are right for your operation.
Real Estate Loans
Investing in your home is one of the biggest financial decisions you will make. Our bank will guide you through the steps whether you are purchasing your first home or refinancing your current home. We’ll help you determine the right financing for your individual situation and we’ll offer competitive rates both on loans we service and in the secondary market.
- Residential Mortgage Loans
- Commercial Mortgage Loans
- Farmland Mortgage Loans
- Construction Loans
- Home Equity Loans
- Iowa Bankers Mortgage Corp. Loans
Please call or stop in with your completed Uniform Residential Real Estate Application so that we can determine which program fits your budget.
MLO – Matthew Gregory Stauter MLO#1662113
C.O.P. is a special Citizens Overdraft Protection plan. It is a convenient service that insures you against possible non-payment of your checks due to an overdraft. With a C.O.P. you will be authorized a credit limit which will always be available to you for use in your checking account, in the form of a loan. We will automatically charge your checking account in regular installments with payments as low as $25.00 per month on a $500.00 or less balance until the borrowed amount is paid.