Special revolving line-of-credit feature
Repayment terms to match cash flow
Automatic advance convenience

Flexible repayment terms, typically 1 to 5 years
Fixed and variable interest rates available

Feedlot financing program
Backgrounding program

Flexible terms to meet credit needs

Adjustable Rate Mortgage (ARM) offers choice of interest rate programs
Amortization of loans up to 30 years
No prepayment penalties
Conversion privileges should rates change
Line-of-credit capabilities
No origination fee

The Citizens State Bank is a community financial services institution that provides financial products and services to our customer service area (Kansas). If you are located in our customer service area or are thinking of moving to our area, we welcome your application. If you do not currently live in our customer service area, we appreciate your interest, however, in order to process your application, you will need to come in to any of our locations and pick up an application.