Loan Services
Personal Loans

- Visa Classic Credit Card
- Visa Gold Credit Card
- Unsecured Personal Loan
- First Line (Demand Deposit Loan)
- Automobile Loan
- CD-Savings Loans-Stock Loans
- Home Equity Line of Credit
- First Equity

Real Estate Loans

- Vacant Land Loans
- Residential Construction
- Home Mortgages
- Home Equity Line of Credit (Non-Revolving)
- First Equity (Revolving Loan)

Personal Loans
Visa Classic Credit Card

Enjoy the convenience that your FSB&T Visa card provides! And now you can check your FSB&T credit card balance 24-hours a day on the internet. Simply go to www.myccinfo.com and enter your card information. It's easy!
  • Low annual percentage rate. Contact a personal banker for APR and disclosure.
  • No annual fee.
  • When you use the card you automatically receive travel accident insurance at no extra cost.
  • Accepted anywhere in the world you see the VISA logo.
Visa Gold Credit Card

Apply soon for your special Visa Gold card.

  • Low annual percentage rate. Contact a personal banker for APR and disclosure.
  • No annual fee.
  • Automatic travel insurance when card is used.
  • Auto rental insurance.
  • Warranty manager service.
  • Gold travel assistance service.
  • Check your FSB&T credit card balance 24-hours a day on the internet. Simply go to www.myccinfo.com and enter your card information. It's easy!
Unsecured Personal Loan

A loan without collateral. Approval depends upon amount requested, term of loan and your credit standing. See a personal banker today.
  • Loans made with no collateral.
  • Short term loans - less than 12 months.
  • Credit Life and Disability insurance available for most loans.
First Line (Demand Deposit Loan)

A personal line of credit to protect your checking account against overdrafts.

  • This line of credit advances funds into your account up to your credit limit in $100.00 increments.
  • Each monthly payment is automatically debited from your checking account.
  • Fixed annual percentage rate. See a personal banker for APR and more details.
  • A record of loan advances and payments is included with your monthly checking statement.
Automobile Loans

Purchase a vehicle or use your current automobile to secure a personal loan.

  • Convenient monthly payments can be set up on auto charge from your checking account.
  • Credit life and disability insurance available for protection.
  • Competitive annual percentage rate and flexible terms.
  • See a personal banker today!
CD - Savings Loans - Stock Loans

Loans secured by accounts or stocks.

  • Fixed annual percentage rate.
  • Loan secured with a certificate of deposit, savings account or stock certificate.
  • Receive a preferred interest rate.
  • Monthly payments can be conveniently auto-debited from your checking account.
  • This type of loan can help a young client establish credit.
  • Credit Life and Disability Insurance available.
Home Equity Line of Credit (Non-Revolving Loan)

Equal Housing Lender


Take a well-deserved vacation, finance your child's education or consolidate consumer debt with a loan secured with a Second Mortgage to your home. Interest is often tax-deductible.

  • Loan amounts vary, depending on the market value of your residence and the balance of your first mortgage.
  • Loan proceeds may be use for virtually any need.
  • Competitive annual percentage rate and flexible terms.
  • Payments can be automatically debited from your checking account.
  • Credit Life and Disability Insurance available.
  • Interest is usually tax-deductible (see tax accountant for determination of deductibility).
First Equity (Home Equity Loan)

Equal Housing Lender


  • This is a convenient revolving line of credit using equity in your residence.
  • Competitive annual percentage rate.
  • Interest is usually tax-deductible (see tax accountant for determination of deductibility).
  • Monthly billing statement.
  • Advances made by check or by calling the bank.
Real Estate Loans
Vacant Land Loans

Are you thinking about buying a lot or country acreage to build a house? First State Bank & Trust offers loans to purchase unimproved land.
  • Fast loan review and approval.
  • Competitive annual percentage rates.
  • No prepayment penalty.
  • Auto-Debit available for monthly payments.
Residential Construction

Equal Housing Lender


Build your dream house! Get a temporary loan to construct a home, which is usually paid off with permanent financing (home mortgage).

  • Loan requests are approved in-house with fast loan review and approval.
  • No prepayment penalty.
  • Competitive annual percentage rates.
  • Permanent financing.

Home Mortgages

Equal Housing Lender


First State Bank & Trust offers loans to purchase or refinance your residence.

  • In-bank loan requests and approval.
  • No prepayment penalty.
  • Auto-debit available for payment.
  • Competitive annual percentage rates.
  • Fixed rate or adjusted rate mortgages available.
Home Equity Line of Credit (Non-Revolving Loan)

Equal Housing Lender


Take a well-deserved vacation, finance your child's education or consolidate consumer debt with a loan secured with a Second Mortgage to your home. Interest is often tax-deductible.

  • The loan amount varies, depending on the market value of your residence and the balance of your first mortgage.
  • Loan proceeds may be used for virtually any need.
  • Competitive annual percentage rates and flexible terms.
  • Payments can be automatically debited from your checking account.
  • Credit Life and Disability Insurance available.
  • Interest is usually tax-deductible (see tax accountant for determination of deductibility).
First Equity (Revolving Loan)
Equal Housing Lender


This is a convenient, revolving line of credit using equity in your residence.

  • Competitive annual percentage rate.
  • Interest is usually tax-deductible (see tax accountant for determination of deductibility).
  • Monthly billing statement.
  • Loan advances made by check or by calling the bank.

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