Loans

Agriculture Loans

Agriculture is the economic backbone for Northwest Iowa. Iowa State Bank is committed to strengthening that pillar through assisting agricultural producers in making sound financial decisions. Our loan officers understand the needs of ag producers and provide a quality lending experience for all your agricultural needs. Our ag lending team has the experience and knowledge to offer innovative agricultural financing options along with quick, local decision making. Whether it's crop, livestock, equipment purchase or real estate, We're the One!

Call us or visit our nearest location for an application or more information.

Location Representitives (click on name for contact information)

Gary Westra Hull Send an email	Joel Heitritter Hull Send an email	Denny Van Oort Ireton & Craig Send an email	Stan Hoekstra Ireton & Craig Send an email	Paul Struve Paullina Send an email
Doug Ebel Paullina Send an email	Clark Pennings Orange City Send an email	John Clarey Orange City Send an email	Mike Broek Sanborn & Hull Send an email	Wade Hofland Sheldon Send an email

Commercial Loans

Iowa State Bank understands the needs of our commercial/business customers. Our experts can help you with all your financing needs. We have the advice and funding you need for operating, startup or expanding your current business. We share your vision for growth and opportunity.

Call us or visit our nearest location for an application or more information.

Location Representitives (click on name for contact information)

Gary Westra Hull Send an email	Joel Heitritter Hull Send an email	Scott Kooiman Orange City Send an email	Paul Struve Paullina Send an email
Mike Broek Sanborn & Hull Send an email	Ken Hengeveld Sheldon Send an email	Mark Kleinwolterink Sheldon Send an email

Consumer Loans

If it's a new or used car, home improvement, boat, recreational vehicle or other personal needs, Iowa State Bank offers a complete line of products and services to meet your consumer needs. Contact one of our loan officers for help with financing needs.

We're the One to float your boat! Big, fast, little, slow, Iowa State Bank is ready to help float whatever boat you drive, pull or ride on.

Call us or visit our nearest location for an application or more information.

Location Representitives (click on name for contact information)

Joel Heitritter Hull Send an email	Nathan bakker Hull Send an email	Stan Hoekstra Ireton & Craig Send an email
Paul Struve Paullina Send an email	Doug Ebel Paullina Send an email	Mike Broek Sanborn & Hull Send an email	Kristin Kleinwolterink Sheldon Send an email

Mortgage Loans

Are you ready to buy your first home or purchase a different home? When you've found the home of your dreams, We're the One! Iowa State Bank offers a wide selection of mortgage loan options for the purchase or refinance of a home. We have various loan programs including long-term fixed rate mortgages, ARMs, first time home buyer loans and home equity loans. To obtain current interest rates and find the right program for you, contact an expert at your nearest Iowa State Bank location.

When you need extra cash, you don't need to spend valuable time waiting for your loan to be approved. That's why our "lending" team is ready with low rates and fast answers to your credit needs.

We'll work with you to make your monthly payments affordable and show you how to save money by selecting the terms that are best for you.

We're ready to say yes to you!

Frequently asked customer questions:

What is your interest rate? Interest rates depend on type of product that suites an individual's needs. ISB offers competitive long term interest rates, fixed rate products and adjustable rates. In today's market the long term fixed rates are the most popular and give the customer the benefit that their rate will never change. ISB will help the borrower determine what product best suites their needs and will also be the most affordable.
What are the closing costs? ISB requires the standard closing items such as: appraisal work, abstracting, attorney's opinion, credit reports. documentation recording fees, underwriting fee and an origination fee. Iowa State Bank will take care of processing all the necessary paperwork - simplifying the process for our borrowers.
I am "shopping" ISB stands out compared to other lenders a couple different ways. 1, we keep "the servicing" of your loan. What that means to you the borrower is that you make all your payments to ISB - not a third party. We have all your loan information at our fingertips: your paperwork, your loan balance, when you made your last payment, etc. Your talk to "US" - not an automated phone service after waiting 10 minutes "on hold". 2, ISB knows you, your situation and is able to offer personal customer service - not only with your loan, but with all your banking needs. You meet and visit with people you know - from your community. We are friendly and dedicated to serving you.
Can you help me calculate what I can afford? ISB can help you determine what price range works best for you. It only takes a few minutes and we can give you suggestions to consider. Another option for you is to use our website calculator, www.iowastatebank.net/calculator.html. Click on one of the question and you will have a financial calculator at your fingertips. It's fast and easy and allows you to consider "what if" situations.

Call us or visit our nearest location for an application or more information.

Location Representitives (click on name for contact information)

Nathan Bakker NMLS-501016 Hull Send an email	Mike Broek NMLS-504572 Sanborn & Hull Send an email	Kristin Kleinwolterink NMLS-504175 Sheldon Send an email	Stan Hoekstra NMLS-503736 Ireton & Craig Send an email
Jaime Meyer Orange City Send an email	Nora Mulder NMLS-524968 MLO#524968 Orange City Send an email	Paul Struve NMLS-504701 Paullina Send an email

Ready Reserve

Iowa State Bank's overdraft Ready Reserve can be ready for you!

Iowa State Bank's overdraft protection means that we've approved in advance a personal, unsecured loan anytime you need extra money.
ReadyReserve is designed to end checking account overdraft complications and charges. ReadyReserve can save you costly returned-check fees or embarrassing delays.
Extra money for emergencies or to cover an expense when you may not have the funds immediately available.

Iowa State Bank's ReadyReserve and your good credit are a combination that's Ready for You!

Terms:

18.00% APR (Annual Percentage Rate)
12 month maximum term
$20.00 annual fee
Minimum payment is 15.00% of loan balance or $25.00 per month, whichever is greater.
$15.00 late charge if loan payment is not paid within 10 days of payment due date.

Call us or visit our nearest location for an application or more information.