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Loans

 

New Vehicle Loans 2.90% Annual Percentage Rate*

 

Finance a new (2013-2014) car purchase and you may qualify for an interest rate as low as 2.90% (2.901% Annual Percentage Rate) (up to 36 months).

 

With automatic payment from a First State Bank and Trust deposit account:

Model Year Term Interest Rate Annual Percentage Rate Payment
2013-2014 36 Months 2.90% 2.901% $290.37

 

Without automatic payment from a First State Bank and Trust deposit account:

 

Model Year Term Interest Rate Annual Percentage Rate Payment
2013-2014 36 Months 3.15% 3.151% $291.47

 

*All loans subject to credit approval. 15% down may be required.  Normal credit qualifications and some additional restrictions apply.  Monthly payment based on $10,000.00 loan.  Other rates and terms available, contact us at 651.439.5195.  Monthly payments are required. Rate disclosed is for up to 85% loan-to-value (LTV) financing of new vehicles.  Insurance may be required.  For assistance in calculating your LTV, please contact a lender.  Rates subject to change.  Member FDIC.  Equal Housing Lender.  

 

Make the most of life here in the St. Croix Valley – we can help with the financing to build a new home or to buy a pre-existing home. If upgrading that charming Victorian you own is your plan, a home equity loan may be the answer. We have a variety of lending options, all structured to fit your budget, and you can always expect a prompt response.

Real Estate Lending Services

Whether you’re buying, building or refinancing, our experienced lending professionals can determine which of our mortgage products best meets your needs. We offer a full range of mortgage options, competitive rates and fees, and efficient service. If you are building a new home, we offer construction loans that can be tied directly into long-term financing.

  • Conventional Mortgages
  • Purchase
  • Refinance
  • New Construction
  • Land
  • Vacation
  • Home Improvement
  • Home Equity*

    *May have tax advantages, consult your advisor

    Home Improvement Loans

    We’re the financial resource you need to build an addition, remodel, refurbish, add a garage, or even landscape. Ask us about a home improvement loan, second mortgage or home equity line of credit.

    Home Equity Lines of Credit

    We understand the value of your home and offer a revolving line of credit secured by your home's equity. You may draw on your approved credit limit once your application is approved and your credit limit has been determined. Interest is paid on only the actual amount borrowed. You may also benefit from certain tax advantages; ask for details from your tax advisor.

    Installment Loans

    Purchase a car or truck, a recreational vehicle, motorcycle, boat or snowmobile; make home improvements; take a vacation; pay tuition, medical expenses or your taxes. Whatever your need, we have the installment loan that is the ideal match for you. A fixed monthly payment and flexible repayment options make budgeting easy.