Personal Loans

Being a community bank means all of our lending is done in house. We make all of our decisions locally, we service  loans locally and building a relationship is what we are all about. Our lenders provide personalized service that doesn't just end with the loan. Come check us out and experience what we have to offer!

Contact one of our amazing Relationship Bankers that can help you with all your banking and lending needs. 

Tava Ellingson 

Hudson Office


April Cook

Roberts Office



Cheryl Lindquist  

Woodville and Elwood Offices

715-245-2785 (Woodville)

715-670-3074 (Elmwood)




Amanda Novak  

Menomonie Office






Maria Machtemes

AVP Retail Banking






If you prefer to have us reach out to you fill out a short inquiry loan form and send it to us. We will reach out to you as soon as possible. 


We offer personal loans for things like:

  • Vehicles
  • Boats
  • Boat Slips
  • Recreational Vehicles
  • Vacations
  • And more!


Refinance Existing Loans

Lowering your rate or reducing your term may be an easy way to save money. We can help you see the difference, so you can make the choice that is right for you. Inquire here

Installment Loans 

A traditional principal and interest monthly installment loan might be right for you. We can help you understand your options and find the payment that works best for you. Inquire here

Overdraft Protection

This is a no-stress loan option to protect yourself if you overdraw your checking account. Inquire here

Sallie Mae's Smart Option Student Loan 

For college expenses not covered by scholarships and federal loans, Citizens State Bank has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates. Click here to apply and learn more.