You have the dream, the goals, the ambitions and the desires. We have the financing and the expertise to make them reality.

Whether you are buying a home, starting a business, managing your farm, or planning that European vacation you've always promised yourself, we will be there from the start to finish. Call us to see for yourself.

Personal Loans

Whether you are buying a new vehicle, financing a family vacation, looking at an RV or managing other expenses, Central State Bank can help.

  • Vehicle Loans

  • Personal Loans

  • Debt Consolidation

  • Camper/RV Loans

  • Motorcycle/ATV/Snowmobile loans

  • Student Loans

Credit Card Services

Central State Bank covers various options for card solutions based on your spending and flexibility. Regardless of your situation we have a card that fits your lifestyle. Choose the rates, rewards and features that make sense for you. Inquire about options at any Central State Bank location.


Whether you're buying your first house, building one, or refinancing, nobody understands the importance of home better than a family bank.

At Central State Bank, we understand that all the home loan options available can be a little bewildering. But we are here to help you every step of the way through the home financing process. Plus, you can rely on Central State Bank to make decisions quickly and locally, so you’ll be less stressed, more informed and ready to move before you know it.

  • Fixed-rate mortgages

  • Adjustable-rate mortgages

  • Bridge loans

  • Home construction financing

  • Home improvement loans

  • Home equity loans

  • Home equity lines of credit (HELOC)

  • VA

  • FHA

  • Iowa Finance Authority

*Ask about Homeownership Counseling Certificates