Consumer

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. Discounted interest rates may apply with automatic payments.


Hometown Home Improvement Loan

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
  • Discounted interest rates apply with automatic payments.

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 we have to offer.

  • Competitive rates.
  • Discounted interest rates apply with an automatic payment or higher down payments. Contact us for details.
  • 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, go to www.nada.com .

Pricing Guides

NADA Guide

Kelly Blue Book

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.
  • Discounted interest rates apply with an automatic payment or higher down payments. Contact us for details.

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. Discounted interest rates apply with an automatic payment or higher down payments. Contact us for details.


CD Secured Loans

If you are looking for a great interest rate on your next purchase, borrow against your Certificate of Deposit (CD) with First State Bank. 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 up to the value of your 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.