Click on the Loan/Mortgage type you would like more information on.

Real Estate Loans & Mortgages
Consumer Loans
Commercial Loans
Agriculture Loans
Credit Life Insurance

The Mortgage Crisis that is gripping Minnesota, and the nation, is affecting many people across the state. The Minnesota Home Ownership Center offers hope to distressed homeowners through its statewide counseling network. this network is helping thousands of Minnesotans re-negotiate their mortgages, balance their budget, and get back on track. Click on the above link to view information about this program, or submit a question about your own mortgage concerns.

Citizens State Bank offers a complete line of Loans and Mortgages. Stop by Waverly or Montrose today for an application or call (763) 658-4417 for more information!

Real Estate Loans & Mortgages

Whether you are Buying, Building or Refinancing, CSB can help! Call or stop in and see our seasoned mortgage lender Cathy Thisius. You may reach Cathy at 763-658-4417 xt 22 or cathyt@bankwaverly.com.

•  In Bank Mortgages

•  Secondary Market Mortgages
•  Construction and Construction to Permanent Loans
•  Refinancing
•  Second Mortgages
•  HELOC’s (Home Equity Lines of Credit)
•  USDA Rural Development (RD) Loans
  •  Perfect for First Time Home Buyers!

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Consumer Loans

CSB offers Consumer Loans for a variety of purposes. Perfect for buying a new Vehicle, Boat or Snowmobile! Or the Vacation of your dreams! We offer Competitive Rates along with Quality, Trusted Service! Call our consumer loan officer, Ginny Tussing, today to get started at (763) 658-4417 xt 42 ginnyt@bankwaverly.com.  

•  Personal Loans
•  Vehicle Loans
•  Vacation Loans
•  Ready Reserve Lines of Credit
  •  Advance as much or as little as you need, when you need it!

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Commercial Loans

Expand your existing business or start up a new business! The experienced commercial lenders at CSB are ready to help you succeed in today's business environment.

In Waverly, call Jason Fink, 763-658-4417 xt 24  jasonf@bankwaverly.com or Brian Matzke, xt 33 brianm@bankwaverly.com.

In Montrose, Roger Ruhr may be reached at 763-675-BANK (2265) xt 48 rogerr@bankwaverly.com.

•  Business Term Loans for working capital, business expansion, real estate purchase, equipment financing
•  Business Operating Lines of Credit
•  Small Business Administration (SBA) approved lender
•  USDA Business and Industry Loans

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Agriculture

We know Ag! Brian and Jason are as 'at home' in a combine as they are behind their desks.

•  Operating Lines of Credit for your crop or livestock operation
•  Livestock, Machinery and Equipment Loans
•  Real Estate Loans
•  Farm Service Agency (FSA) approved lender for FSA guaranteed loan programs
  •  Guaranteed farm operating loans
  •  Beginning farmer programs
  •  Down payment loans
•  Rural Finance Authority approved lender through the State Department of Agriculture
  •  Beginning farmer programs

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Credit Life Insurance

Please click the link below, and then select Financial Tools form the column on the left hand side of the screen.

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