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We will offer the same interest rate* for your vehicle as our currently quoted fixed mortgage rate* when you purchase or refinance your home through us.

For instance, if our current home loan rate is 4.25% APR-we will refinance your vehicle loan at 4.25% APR for the remaining term of your loan.


  • You must purchase or refinance your home with us
  • A copy of your vehicle registration
  • Your payment book or statement for your car loan
  • Evidence of vehicle insurance
  • New payment to be automatically deducted from your checking account on the date of your choice
  • Auto loan currently not financed through The Citizens State Bank or Home State Bank
  • 60 month maximum term
  • $5,000 minimum auto loan balance
  • Amount financed not to exceed NADA value
  • Program is availalbe from the date of your home loan and for six months thereafter

For more information, please contact one of our loan officers at any of our locations!

*Actual rate paid will be expressed as APR (Annual Percentage Rate)


Vehicle Loans

  • Financing for new and used vehicles
  • Variable terms to suit your needs
  • Low fixed interest rates are available
  • All loans are simple interest so there is no penalty for early repayment
  • A pre-approved loan lets you pay "cash" for a vehicle

    Apply Now

Consumer Purchase Loans

We make loans for every type of purchase you can think of.

  • Recreational vehicles
  • Campers
  • Boats
  • Personal watercraft
  • Motorcycles
  • Lawnmowers
  • Furniture
  • Appliances
  • Computers
    Apply Now

Credit Card

  • Our Visa or Visa Gold card is accepted around the world
  • No annual fee
  • 25 day grace period for purchases
  • Click here to have us mail you an application or log onto our Online Banking and download an application by clicking on the credit card application link under additional services.

Ready Reserve Overdraft Protection

You may open a line of credit attached to your checking account with approval. Once you are approved, simply write a check or use your debit card. If the amount is larger than the balance in your account, funds will be automatically deposited in $100 increments up to your agreed line of credit. Lines of credit can start at $100 up to $5,000. Line of credit amount is based on loan approval by an officer. Repayment happens automatically through monthly payments from your checking account. In addition, you can also choose to pay off the line of credit at any time.

  • Ready Reserve interest rate is 18% of daily balance of extended line of credit
  • $15 annual fee and $4 per transaction fee
  • Your monthly payment is either $10 or 4.0% of the balance, whichever is greater
  • Payment is automatically deducted from your checking account

    Apply Now

Financial Calculators

How much do you need for retirement? How fast can you pay off those credit cards? Our financial calculators can help you find your answer.

Free Credit Report

Keeping tabs on your credit is always a good idea. It's one of the best tools for stopping fraud on your account as well as a good gauge of how you're doing financially so you'll be able to get credit if or when you need it. An annual check is something everyone should do!


Meet Our Consumer Lending Team!

photograph of Shelley Black
Liz Koehn
Retail Banking Specialist
NMLS: 1178539
Newton North

Shelley Black
Mortgage Loan Officer/Assistant Vice President
NMLS: 801179
Newton North

photograph of Amy Budde

Amy Budde
Market President
NMLS: 906039
Newton South

Dylan Obermueller
Mortgage Loan Officer
NMLS: 1586694
McPherson Home State Bank
photograph of Debbie Pierce  
Debbie Pierce
Vice President/Branch Manager
Newton Walmart



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