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Personal Loans

First Citizens State Bank has many solutions for those interested in most any type of personal loan. Whether you are interested in purchasing a vehicle, computer, debt consolidation or any other similar consumer request we have the right loan for you. Stop in and see or call one of our experienced loan officers and see how First Citizens State Bank can help you with your loan needs.


Auto Loans

From a first time auto purchase to upgrading your car, our auto loans fit any need. Easy, affordable financing helps you fund the purchase of your new or used vehicle. For more information please contact one of our experienced lenders!

Recreational Vehicle Loans

Purchasing a motorhome, ATV or other recreational vehicle? We have the right fit for you with our Recreational Vehicle Loans. Our easy affordable loan will help you to fulfill your dreams! Contact a lender today to submit an application, or for more details!

Personal Reserve Loans

We can set up a Personal Reserve Line of Credit for when your cash inflow doesn’t match your cash out flow. Connected to your checking account, this line provides individuals with maximum flexibility in managing their borrowing with the ability to pay down and re-advance at the individual’s discretion.

Personal Credit Cards

At First Citizens State Bank we know how difficult it can be to find the credit card that best suits your needs, that’s why we offer over ten different options for your credit card needs. Some of our cards offer great rewards and points programs that allow you to earn cash back or even points towards vacations and purchases.

Our two newest cards, the Visa Signature Rewards and the Visa Platinum, offer great benefits including but not limited to: travel accident insurance, emergency card & cash service,  and zero liability fraud protection. If you are looking for the simplicity and convenience of a traditional credit card with generous credit lines, then a Visa Platinum card is the card for you. Perhaps you prefer exceptional rewards, unlimited 1% cash back, access to exclusive privileges and personal concierge services,  then the Visa Signature Rewards card is just what you’re looking for.

Regardless of what features and needs you have in a credit card, First Citizens State Bank can find the perfect fit for you. Feel free to stop in and talk to one of our specialists or apply online using the link below.

Apply Online

Student Loans

Sallie Mae’s Smart Option Student Loan

For college expenses not covered by scholarships and federal loans, First Citizens State Bank has partnered with Sallie Mae® to bring you loans with great repayment options and competitive rates.


Lost or Stolen Card

First Citizens proudly offers Visa Credit Cards. If any of your cards, Debit Cards, Credit Cards, ATM Cards, etc. are lost or stolen, please contact the respective numbers below. If you are unsure of who to contact, please do not hesitate to contact a customer service representative at one of our locations.

Debit Cards & ATM Cards (800) 472-3272
Personal Credit Cards (866) 234-4691


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