Loans

You borrow money for the important things in life. Your home, home improvements, college educations, automobiles ... things that help you live the life you've always dreamed of.

So, when it comes to loans for the important things in your life, it’s understandable that you might want to work face-to-face with your banking professional ... and work with a bank in your own back yard. That’s 1st State Bank. Based right here in the Great Lakes Bay Region. Owned and run by local businesspeople. With decades of experience serving the personal banking needs of people like you. Offering you just about everything you need in personal lending ... including a chance to meet your lender in person.

Mortgages

Your home: it's a big investment. Probably the biggest you’ll ever make. We understand that. We’re homeowners as well as banking professionals. We understand the need for the right mortgage to fit your career, your family and your life.

  • Competitive rates
  • Conventional fixed rate programs
  • Adjustable rate mortgages
  • Construction loans
  • 15-, 20-, 30-year terms
  • FHA financing

Home Equity Line of Credit

The most convenient, cost effective way to tap into your home’s equity. It's your money. Shouldn’t you have access to it when you need it ... no questions asked?

  • Revolving line of credit secured by your equity
  • Easy access
  • Low rates
  • Unlike credit cards, interest may be tax deductible*
    *Consult your tax advisor regarding deductibility of interest.

Personal Loans

For the necessities of life. For life's little extras. And for the unexpected. Personal loans give you freedom and peace of mind. Our rates are competitive and we work with you to create repayment terms that fit your needs.

  • Auto loans — competitive rates on both new and used vehicles
  • Recreational vehicles — boats, RVs, snowmobiles, motorcycles
  • College tuition
  • Home improvement
  • Medical, dental or other unexpected expenses

Personal Credit Card

There are plenty of reasons to do business with a community bank.  Here’s another:  a VISA Platinum Credit Card.  You can feel confident in making secure purchases, big or small.  In addition, enjoy reward points redeemable for brand name merchandise, rental cars, cruises, hotels or airline travel with fewer restrictions and no blackout dates.

For more information, visit any of our Banking Offices or please Contact Us.