Central State Bank

Our Routing Number: 081221235
Our Routing Number: 081221235
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“We’re Central To Your Banking Needs.”

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Loan Center

Loan Center

Fill out an application below and get ahead of the game!

RAISED TO $10,000! Matching program that provides down payment & closing cost assistance!


The assistance is provided, for income-eligible homebuyers, in the form of a forgivable grant paid on behalf of the borrower at the time the borrower closes on mortgage financing.

Agricultural Loans

Our lenders have many years of experience in lending for agriculture-related purposes.


Whether it’s time to buy your first office or manufacturing facility or to expand your current location, commercial or agribusiness. Our lenders have many years of experience in lending for agriculture-related purposes and have the ability to structure loan terms that are reasonable and fair.

Home Loans

We suggest a free consultation with one of our loan officers.


For home mortgage loans, let us help you find the right program to suit your individual needs. Choose from fixed or adjustable-rate products. Please call any of our branches to discuss your options.

Offering a fixed rate and terms to fit your budget!


These loans are available for many purposes, including your next new vehicle purchase. There is no application fee.

Simple and Economical!


Combined with our first mortgage loan products, we can finance the purchase of your lot and the construction of your new home.

Loan Calculators

Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!

Should you lease your next automobile or finance it? Find out with this calculator!

Enter your desired payment – and let us calculate your loan amount. Or, enter the loan amount and we will calculate your monthly payment!

This calculator helps determine your loan or line payment.

Use this calculator to sort through the monthly payments, fees, and other costs associated with comparing loan options.

Mortgage Calculators

Use this calculator to determine your monthly payment and amortization schedule.

Can you buy your dream home? Find out just how much you can afford!

Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Are you better off buying your home, or should you continue to rent?

Personal Debt Calculators

Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.

Use this calculator as a starting point for your debt management plan.

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

Retirement & Savings Calculators

Use this calculator to help develop or fine-tune your education savings plan.

Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Quickly determine if you retirement plan is on track – and learn how to keep it there.

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