Iowa State Bank  

Consumer

Contact Us

If you have questions regarding your loan needs contact one of our experienced lenders at:

627 E Locust
Des Moines, IA  50309

Kristin Smith
Ryan Bomer
515-288-0111

3818 Hubbell Avenue
Des Moines, IA  50317

Tiffany Goehry
Ryan Bomer
515-262-1630

6410 SW 9th Street
Des Moines, IA  50315

Lora Houck
Carla Houston
515-287-3750

3601 EP True Pkwy
West Des Moines, IA  50265
Jane Hartman
515-223-0011

2301 128th Street
Urbandale, IA  50323

Lauren Burgeson
515-278-2442

 

Vehicle

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.

Personal Loans

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.

Student Loans

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.

Loan Discount

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.

Convenient Payment Options

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

Credit Insurance

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.

Disability Coverage
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. 

Life Coverage
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.

Community Market Area

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.

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