First State Bank offers a wide variety of consumer loans.  As a locally owned community bank, we can help each of our customers on a personal, friendly level.  All lending decisions are made locally and best of all, if you have a problem your loan officer is just phone call away! 

Unsecured loans 

If you are unable to offer collateral on a loan, you can apply for an unsecured loan.  Unsecured loans typically have higher interest rates.  Please stop by or call one of our loan officers to see if this type of loan is attainable for your lending needs. 

Need home improvements?  Our goal is to help you LOVE your HOME with our new home improvement loan!  

  • Borrow up to $10,000.00 unsecured.
  • Competitive rates
  • Great terms

  • Contact one of our loan officers for more information on the guidelines and requirements for our home improvement loan. 
    New or Used Vehicle loans 

    Let us put you in the driver’s seat of your next vehicle. Whether you are looking for a new or used vehicle or wanting to re-finance your existing loan, stop by and see what Fist State Bank, Yoakum has to offer. 

  • Competitive rates.
  • .25% off your interest rate on new vehicles if automatically debited from your account.
  • Flexible terms based on the age of vehicle.
  • Approvals made locally.

  • If you are looking for a book value of a vehicle you want to buy or sell, visit our links page and go to 

    Boat Loans 
    Let us float you a loan for your new or used boat.  Enjoy your next fishing trip to the coast or the lake on your boat financed with us!  Check out our terms and let’s get you launched. 
  • Competitive rates
  • Flexible terms depending on the year model.

  • Recreational Vehicles/ATV 
    Let us get you on the road with a new or used R.V. or travel trailer.  And for those shorter adventures, let us finance your next ATV. 
    CD Secured loans 
    If you are looking for a great interest rate on your next purchase, borrow against your Certificate of Deposit, or CD, at First State Bank, Yoakum.  CD secured loans are a good source to use if you are looking for a low rate, wanting to build up credit or if you have a poor credit history, this is a good way to restore it. 

  • You can borrow money up to 100% secured by the certificate of deposit.
  • For loans over $2,000.00, the interest rate is based at 2% over the annual percentage yield (APY) of your Certificate of Deposit.
  • Flexible terms
  • Fast and Easy approval.
  • FDIC
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