Federal Deposit Insurance Corporation FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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Personal Loans

Quilo

Get a quick unsecured loan to pay off unexpected expenses, to pay down high interest rate credit card debit or to replenish your checking account.

Details

  • Instantaneous Funding
  • Stress-Free Money
  • 24/7 Loan Access
  • No credit score impact to apply
  • No fees of any kind
  • Fixed monthly payments

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Home Mortgage Loans

A new home may be the most important purchase you'll make, that’s why our local lenders are here for you every step of the way.

Key Features

Competitive Interest

Local Processing

Quick Decisions

Details

  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Repayment terms customized to fit your unique needs
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • Construction Loans
  • Lending professionals with working knowledge of the local real estate market
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

Additional Coverage

Learn more about First State Insurance Home Insurance.

Home Equity Loans

You've worked hard to pay down your mortgage — now make that hard work pay off with competitive financing.

Key Features

Competitive Interest

Local Processing

Quick Decisions

Details

  • Competitive rates for a range of short-term or one-time needs:
    • Education expenses
    • Important life events
    • Home projects
    • And much more!
  • Financing is secured by the equity within your home
  • Repayment terms customized to fit your unique needs
  • The interest paid might be tax deductible1
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

1Consult a tax advisor.

Home Equity Line of Credit (HELOC)

  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Important life events
    • Large-scale home improvements
    • Medical expenses
    • Emergency reserve
    • And much more!
  • Financing is secured by the equity within your home
  • Flexible repayment terms accommodate your unique needs
  • Only pay interest on the part that's used
  • The interest paid might be tax deductible1
  • Funds available as things arise; no need to apply for separate installments
  • Revolving credit — as principal is repaid, more becomes available for use
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

1Consult a tax advisor.

Auto Loans

What has four wheels and unmatched convenience at an affordable price? Your next vehicle, when you finance through us.

Key Features

Competitive Interest

Local Processing

Quick Decisions

Details

  • Competitive rates for new or used vehicle purchases
  • Repayment terms customized to fit your unique needs
  • Easy preapproval process for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

Additional Coverage

Learn more about First State Auto Insurance.

Personal Loans

You have needs, and we have the funds to meet them. Talk to one of our friendly lenders today.

Key Features

Competitive Interest

Local Processing

Quick Decisions

Details

  • Competitive rates for a wide variety of personal needs:
    • Vehicle repairs or updates
    • Family vacation
    • Education expenses
    • Personal projects or startups
    • And much more!
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

Additional Coverage

Learn more about First State Auto Insurance.

Meet Our Lenders

CoryBiers

Cory Biers

Senior Vice President, Loans

Mendota

NMLS #477892

Click to visit Cory’s lending page

Jordan Carpenter

Jordan Carpenter

Community President

Bloomington

NMLS #477884

Click to visit Jordan’s lending page

Jacob Cook

Jacob Cook

Commercial Loan Officer

DeKalb/Sycamore

David Eckhardt

David Eckhardt

Vice President/Loan Officer

Rochelle

NMLS #454387

Click to visit David’s lending page

John Gehant

John Gehant

Vice President, Commercial/Ag Lending

West Brooklyn

NMLS #764557

Click to visit John’s lending page

Grant Goltz

Grant Goltz

President, North Operations

DeKalb/Sycamore

Tracy Grimmer

Tracy Grimmer

Community President

Princeton

Blake Hartman

Blake Hartman

Loan Officer/Credit Analyst

Ottawa

Adam Holdenrid

Adam Holdenrid

Commercial/Ag Loan Officer

Mendota

Chris Holdenrid

Chris Holdenrid

Senior Vice President, Mortgage Loans

Mendota

NMLS #461073

Click to visit Chris's lending page

Chip Holmes

Chip Holmes

Commercial Loan Officer

Champaign

NMLS #2538910

Evan Ibsen

Evan Ibsen

Commercial Loan Officer

Bloomington

NMLS #2321139

click to visit Evan's lending page

Edward (Ed) Klemm

Edward (Ed) Klemm

Vice President, Commercial Loans

St. Charles West

NMLS #1005810

Melissa Maurice

Melissa Maurice

Loan Officer/Branch Manager

Peru

NMLS #1014484

Click to Visit Melissa's Lending page

Edward (Ed) Michels

Edward (Ed) Michels

Vice President, Commercial Lending

North Aurora

Leah Myers

Leah Myers

Loan Officer

Sycamore

NMLS #2015266

Jess Newcomer

Jess Newcomer

Retail Loan Officer

Mendota/Princeton

NMLS #1706593

click to visit Jess's lending page

Brent Ohlinger

Brent Ohlinger

Community President

Rochelle

NMLS #454385

Click to visit Brent's lending page

Margaret (Peg) Orland

Margaret (Peg) Orland

Mortgage Originator

St. Charles

NMLS #477899

Click to visit Peg's lending page

Sheela Prahlad

Sheela Prahlad

Senior Vice President, Commercial Lending

Sycamore

Jim Rosenlund

Jim Rosenlund

Vice President, Commercial Lending

Bloomington

NMLS #402869

Ashley Rzasa

Ashley Rzasa

Loan Officer/Branch Manager

Streator

NMLS #1900504

Click to visit Ashley's lending page

Tara Stefanich

Tara Stefanich

Mortgage Originator

Ottawa

NMLS #688620

click to visit Tara's lending page

Dan Stephenitch

Dan Stephenitch

Community President

West Brooklyn

NMLS #764558

RobertSuarez

Robert (Bob) Suarez

Community President

Peru

NMLS #477891

Click to visit Bob's lending page

John Theisinger

John Theisinger

Vice President, Commercial/Ag Lending

Mendota

Jeff Townsend

Jeff Townsend

Vice President, Ag Lending

Princeton

Thomas Walsh

Thomas Walsh

Community President

Ottawa

NMLS #477888

Evan Wixom

Evan Wixom

Loan Officer

Mendota