If you have questions regarding your loan needs contact one of our experienced lenders at:
627 E Locust
3818 Hubbell Avenue
6410 SW 9th Street
3601 EP True Pkwy
2301 128th Street
Looking for a great rate so you can buy that car you’ve had your eye on? We offer loans with flexible terms for your new or used vehicle.
Recreation Vehicle Loans
Motorcycle, boats, trailers, motor homes, mobile homes or any other recreational vehicles can be financed with a low cost loan from Iowa State Bank.
If you need extra cash for a vacation, consolidating debt, emergency or any other personal necessity, we can take care of every need. Depending on your financial strength, we offer both secured and unsecured loans.
Check & Reserve Line of Credit
Prevent overdrafts by establishing a personal line of credit attached to your Iowa State Bank checking account.
As a referral lender, we offer both government-guaranteed and direct student loans for those seeking post-secondary education. We’ll put you in touch with the Iowa Student Loan Liquidity Corporation (ISLLC) or you may contact them at 515-243-5626.
Iowa State Bank account holders receive a 0.75% loan discount on their installment loan rate when the payment is automatically deducted from an Iowa State Bank checking or savings account.
Making your loan payment on time is important to maintaining good credit. That’s why we want to make paying your loan as easy and convenient as possible. Choose a payment option that works best for you:
- Automatic payment from your Iowa State Bank checking or savings account
- In person
- By mail
- 24-hour PhoneHome transfer
- Online Banking transfer
In the event you should die or become disabled, the financial commitment you made on your loan still remains. Credit Insurance gives you peace of mind by relieving you and your family of the burden of unpaid debt. Give yourself a sense of security knowing you’re protecting your most important asset – your ability to earn income.
- No medical exam required.
- Not restricted to non-smokers or by occupation.
- All qualified ages (18-70) receive the same rate.
- Offers immediate protection. Once approved, coverage is effective as soon as your loan is signed.
It’s easy and convenient because your premium is included in your monthly payment.
- Benefits are not taxable.
- If you pay off your loan early, you will receive a refund of your unused premium.
When you are totally disabled due to a covered illness or injury, your credit disability insurance will make your monthly payments for you. Benefits continue until your doctor releases you from total disability or you return to work.
Credit life insurance will pay off your loan in the event of death of the insured.
Credit Insurance from Central State Health & Life Insurance Company of Omaha (CSO) is an affordable step you can take toward protecting you and your family from unnecessary financial burdens.
For more information, click here to visit the CSO website.
Credit insurance products are:
- NOT FDIC insured.
- NOT a deposit to or obligation of Iowa State Bank.
- NOT insured by any federal government agency.
- NOT guaranteed by Iowa State Bank or any of its affiliates.
As defined in the Community Reinvestment Act, our local community consists of cities of Des Moines, West Des Moines, Windsor Heights, Urbandale, Clive, Johnston, Saylorville, Ankeny, Berwick, Altoona, Pleasant Hill, Avon Lake, Carlisle, Norwalk, Cumming, and Waukee in Polk, Warren and Dallas counties in the State of Iowa. It is our desire to serve the residents in these and surrounding communities.