Agricultural Lending
Our wide range of agricultural loans are designed to meet your unique needs at any stage of your farming operation. Agricultural financing is a specialty of First State Bank. We make a variety of loans that are tailored to the life and business of farming, as well as to agri-businesses which serve them.
- Operating Line of Credit
- Facility Loans
- Equipment Loans
Business Lending
Our team realizes no two businesses are the same. This is why we create a loan to meet your specific needs. LENDING Made Personal! Contact us today!
A revolving line of credit provides working capital for a business which has sales growth greater than its working capital. In addition, a seasonal line of credit helps fund inventory and carry accounts receivable during business peaks. Your business will have the cash it needs, when it’s needed.
Expand your business or consolidate debt with our business term loans. This type of financing is perfect for upgrading equipment, acquisition of a business or debt restructuring.
Finance the purchase, renovation or construction of your manufacturing facility, multi-family property, office or retail space with First State Bank Shannon-Polo-Lake Carroll.
Mortgage Lending
Are you in the market to buy a house? We make the home buying process fast and easy with plenty of loan options to fit your needs. Buying a home can be complicated, but it doesn’t need to be.
The loan team at First State Bank Shannon-Polo-Lake Carroll is here to help you decide if it is the right time for you to refinance your current loan. Get cash back to remodel, consolidate debt, pay for college or simply lower your payment!
- Home Repairs
- Remodeling
- College
- Second Home and Much More
Whether you already are a landlord and thinking of buying additional properties – OR – you’re ready to invest in rental properties, let us help. We have various options to get you started or to enhance your current property list!
Are you longing for a place of your own to escape to on the weekends or during your vacation? Our loan officers are experts at helping you purchase a second home – giving you security, as well as some fun!
Building a new home? Get all of your home construction loan options and information under one convenient roof at First State Bank Shannon-Polo-Lake Carroll
Interested in additional information on homeownership & homebuyer guides? Click the button below to visit our business partners.
Personal Lending
Contact our loan team today for a no-obligation consultation.
Apply for new car loans, used car loans, or auto loan refinancing.
We are here to help you finance your boat, recreational vehicle, motorcycle, jet ski, ATV, snowmobile and other types of vehicles. Just like our car loans, these loans feature competitive rates
FRAUD AWARENESS
Fraud is becoming all too common in today’s world. At FSB we strive to help prevent you from becoming a victim. Scammers use many methods to try and steal your personal information such as fake calls, fraudulent mail or emails. Please be aware of fake calls that appear to come from First State Bank Shannon-Polo-Lake Carroll. Our employees will NOT ask you to click a link or request your passwords. Please end the call immediately and do not share any information with the caller. Notify a member of our dedicated banking team if you think your account is at risk.
Tips to Avoid Identity Theft
The best protection against identity theft is to carefully guard your personal information. For example:
- Do not share personal information over the phone, through the mail, or over the internet unless you initiated the contact or know the person you are dealing with.
- Be suspicious if someone contacts you unexpectedly online and asks for your personal information. It doesn’t matter how legitimate the email or website may look. Only open emails from people or organizations you know and, even then, be cautious if they look questionable. Be especially wary of fraudulent emails or websites that have typos or other obvious mistakes.
- Don’t give out personal information in response to unsolicited requests. Be particularly careful about to whom you give your Social Security number, financial account information, and driver’s license number.
- Shred old receipts, account statements, and unused credit card offers.
- Choose PINs and passwords that would be difficult to guess and avoid using easily identifiable information, such as your mother’s maiden name, birth dates, the last four digits of your social security number, or phone numbers.
- Pay attention to billing cycles and account statements and contact your bank if you don’t receive a monthly bill or statement. Identity thieves often divert account documentation.
- Review account statements thoroughly to ensure all transactions are authorized.
- Guard your mail from theft, promptly remove incoming mail, and do not leave bill payment envelopes in your mailbox with the flag up for pick up by mail carrier.
- Obtain your free credit report annually and review your credit history to ensure it is accurate. ( Click here to read more about credit reports and credit scores.)
- Use an updated security program to protect your computer.
- Be careful about where and how you conduct financial transactions. For example, don’t use an unsecured Wi-Fi network because someone might be able to access the information you are transmitting or viewing
For more information on the latest scams, cybersecurity and identity theft visit the FDIC Consumer Resource Center for the latest news and information: Cybersecurity | FDIC.gov
Should you have additional questions or if you believe that your personal information has been compromised, please call us at (815) 864-2111 Shannon, (815) 946-2777 Polo, (815) 864-2125 (Lake Carroll).