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. Plus, we offer favorable personal loans in Wisconsin or Minnesota to help reduce financial stress. 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. If you prefer to have us reach out to you fill out a short inquiry loan form. 

Becky Watts-Ruecker
Hudson Office
Text/Call - 715-377-7008

April Cook
Roberts Office
Text/Call - 715-760-9490

Matt Scholtz
Woodville Office
Text/Call - 715-245-2785

Amanda Truman  
Menomonie Office
Text/Call - 715-235-3164

Veronica Linngren
Elmwood Office
Text/Call - 715-670-3074

Maria Machtemes
VP Retail Banking
Text/Call - 715-377-7004

Refinance Existing Loans
Lowering your rate or reducing your term may be an easy way to save money. Whether you're consolidating debt or financing a home loan in Wisconsin or Minnesota, we can help you see the difference, so you can make the choice that is right for you. Inquire here

Personal Loans

A traditional principal and interest monthly installment loan might be right for you. Our Wisconsin or Minnesota direct lenders help you select the right personal loan and identify the payment terms that work best for you. This personal loan is perfect for car, boat, ATV, camper and more. Inquire here

Overdraft Protection

This is a no-stress loan option to protect yourself if you overdraw your checking account. For instance, if you're struggling to make your student loan payments and are in danger of overdrawing your checking account, our overdraft protection can help you cover the difference. Additional, by refinancing your Wisconsin or Minnesota student loans, you can lower your interest rate and potentially save money on monthly payments. 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.