Loan Products and Services

OVERDRAFT PROTECTION  
- Automatically advances in $100 increments to cover an overdraft, up to the amount of your  approved credit line.
- No annual fees. Interest charged only when used.
- Payment is 5% of balance automatically transferred from KSB checking.

AUTOMOBILES                                                           - Cars, Trucks, Vans, Motorcycles, & RV's,
- Borrow up to 80% of value of auto.
- Reduced rate when payment is transferred from KSB deposit account.
- Payment schedule to fit your budget!

PERSONAL LOANS                                    You have your reason...we have your LOAN!
- For any amount and for most any purpose. (personal expenses, vacations,  ATV's)
- Most types of collateral allowed

REAL ESTATE LOANS
- Residential Purchase and Refinance         (Fixed and Adjustable Rate Mortgages)         
- Home Equity & home improvement
- Agricultural
- Construction                                              - Commercial

AGRICULTURAL LOANS
- Operating Lines of Credit
- Machinery and Equipment
- Breeding and Feeder Livestock
- FSA Guarantees
- Beginning Farmer Loans
- Real Estate

COMMERCIAL LOANS
- Machinery & Equipment
- Inventory - SBA Guarantees
- Targeted Small Business Loans
- Real Estate