Keep Your Loan Where You Bank!
At Citizens State Bank, we make all of our lending decisions locally because we believe banking should be personal. Our team services every loan right here in Wisconsin, so you can make payments at your favorite branch or through convenient Online and Mobile Banking. Have a question? Simply reach out! Our friendly lenders are always ready to help.
We take pride in building relationships that go far beyond the loan process. From application to your final payment, you’ll receive the kind of one-on-one attention that only a community bank can provide.
We take pride in building relationships that go far beyond the loan process. From application to your final payment, you’ll receive the kind of one-on-one attention that only a community bank can provide.
Auto Loans
We make the application process easy. You do not have to sit for hours on end waiting for the dealership financial representative to help you. Our approval process is done in-house for a quicker response. Once the loan is approved, closed and processed you are set to go. The best part is you make your payment to us, so if you ever have any questions we are here to help you.
Benefits of a Citizens State Bank Auto Loan:
- Competitive fixed interest rates
- Quick local approval process
- Flexible terms designed around your budget
- Convenient online and automatic payment options
- Personalized support from start to finish
Personal Loans
When life calls for a little extra flexibility, a personal loan from Citizens State Bank can make it happen. Our personal loans are perfect for a camper, ATV, boat and motorcycle. Applying is easy and we make our own decisions within the bank. The best part is that your loan stays with us, so if you have any questions we are here to help you. Make your payments from your accounts here with our free online banking.
Why choose a personal loan from Citizens State Bank:
- Local decision-making for faster results
- Flexible terms and repayment options
- Easy online or in-branch payments
- Trusted service from your local Wisconsin bank
Overdraft Protection
Life happens—and sometimes, your checking account balance can’t quite stretch until payday. Our Overdraft Protection is a stress-free way to safeguard your account from unexpected shortfalls. For instance, if you're struggling to pay your monthly bills between pay checks and are in danger of overdrawing your checking account, our overdraft protection can help you cover the difference until payday.
Use it as a short-term cushion between paychecks or during busy months when your budget needs a boost. With automatic transfers from your linked loan, Overdraft Protection offers peace of mind and convenience in one simple solution.
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.
These student loans feature competitive interest rates, flexible repayment plans, and multiple repayment options to fit your unique financial situation. Whether you’re pursuing a degree at a university, community college, or trade school, this partnership helps make education more accessible and affordable.
Apply and learn more to start your Sallie Mae application online.
Get started today
Why Borrow from Citizens State Bank?
When you choose Citizens State Bank, you’re not just getting a loan—you’re gaining a partner who values your long-term financial wellbeing. Unlike larger banks or online lenders, our loan officers live and work right here in your community. We take the time to understand your goals, your budget, and your plans for the future.
Our lending advantages include:
- Local decision-making and servicing
- Transparent terms and competitive rates
- Friendly, accessible customer service
- Integration with your Citizens State Bank accounts for easy payments
How to Apply for a Loan
Applying for a Citizens State Bank personal or auto loan is fast and convenient. You can begin your application online, over the phone, or in person at any of our branch locations in Hudson, Roberts, Elmwood, Menomonie or Woodville, Wisconsin.
Steps to get started:
- Gather your information: Be prepared with your income, employment, and basic identification details.
- Apply your way: Submit an application online or visit your nearest branch for personal assistance.
- Get approved quickly: Because our decisions are made locally, most approvals happen faster than at larger institutions.
- Finalize your loan: Review and sign your documents in person or electronically, then enjoy the benefits of your new loan.
Our team is always here to answer questions or guide you through the process, every step of the way.
Quick and Easy
Deposit a check anywhere, anytime by just using your online application on your mobile device.