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Loan Services
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| Visa Classic Credit Card |
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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.
- 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.
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| Visa Gold Credit Card |
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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!
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| Unsecured Personal Loan |
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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.
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| First Line (Demand Deposit Loan) |
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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.
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| Automobile Loans |
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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!
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| CD - Savings Loans - Stock Loans |
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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.
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| Home Equity Line of Credit (Non-Revolving Loan) |
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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).
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| First Equity (Home Equity Loan) |
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- 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.
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| Vacant Land Loans |
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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.
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| Residential Construction |
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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.
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| Home Mortgages |
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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.
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| Home Equity Line of Credit (Non-Revolving Loan) |
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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).
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| First Equity (Revolving Loan) |
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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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