The Citizens State Bank logo

We have been made aware of scammers spoofing our telephone number and name claiming to be verifying fraudulent information. If you suspect a caller is not truly from The Citizens State Bank, hang up and call us directly at 620-345-6317. Do not click on any links within an email or text and never give out your username and/or password. As an additional reminder we will never call and ask you to verify your account number, personal identifying information or debit card number.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Consumer Loans

Auto Loans

Are you looking at purchasing a vehicle, but don’t like the hassle of dealership financing? Our vehicle financing is easy and straightforward. We offer competitive rates and friendly service. We can even pre-approve a vehicle purchase so you can feel confident when you visit the dealership. Call to speak to a loan officer or choose Apply Here to begin your application

We offer:

  • Financing for most new and used vehicles
  • Repayment terms that suit your needs
  • Low fixed interest rates are available
  • There is no penalty for early repayment
  • A pre-approved loan lets you pay “cash” for a vehicle
  • Refinancing also available.

Recreational Vehicles, Boats and More!

Financing consumer purchases of all shapes and sizes. Call to speak to a loan officer or choose Apply Here to begin your application

  • Recreational vehicles
  • Campers
  • Boats
  • Personal watercraft
  • Motorcycles
  • Lawnmowers
  • Debt Consolidation
  • & More!

Personal Line of Credit (Ready Reserve Overdraft Protection)

Do overdrafts have your checking account seeing red? A personal line of credit may be a great solution for you. Call to speak to a loan officer or choose Apply Here to begin your application

  • Automatic transfers from the Ready Reserve Account to your personal checking can help keep the balance in your checking account positive.
  • Automatic Payments to the Ready Reserve Account eliminates the risk of you accidently forgetting to make your monthly payment.
  • Line of Credit availability determined by loan officer
  • Monthly Payments are either $10.00 or 4% of the balance, whichever is greater.
  • Payments are automatically deducted from the checking account.
  • Ready Reserve interest rate is 18% of daily balance of extended line of credit
  • $15 annual fee and $4 per transaction fee
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The Citizens State Bank

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