Personal Loans

Dairy State Bank will help you find the best loan solution to fit your financial situation. We offer flexibility, smooth processes and personal service that can’t be beat. To learn more about how credit can play a role in your life and helpful information about understanding credit scores, click here.

Mortgage Loans

Visit Our Mortgage Center for information on our mortgage products. DSB offers long-term fixed rate loans, first-time home buyer programs, construction loans, refinancing options and specialty loans. We have a mortgage loan solution that will work for you and your situation. Many of our loans can be applied for online in just a few minutes. If you’d like to talk with a mortgage loan specialist, visit Meet Our Lenders.

Home Equity Loans & Lines of Credit

Use the equity in your home for any purpose. With a Home Equity loan or line of credit, you will have easy access to the money when you need it and it may also be tax deductible. (Consult with your tax advisor).

A Home Equity Line of Credit, commonly referred to as a HELOC, is a revolving line of credit with interest-only payments on the amount borrowed. Use as much or as little of the credit limit as you want and the money can be used for any purpose. The line of credit allows you to access funds when needed without having to reapply for a new loan. Borrow, re-pay and re-borrow up to your credit limit as often as you like.

A Home Equity Loan provides you with the full amount of the loan in one lump sum. The loan is typically repaid with equal monthly payments over the term of the loan.

  • 5 year fixed or variable rate Home Equity Line of Credit
  • 10 Year Equity Mortgage loan

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $187,500. The property is located in Rice Lake, WI and is within Barron County. The property is an existing single family home and will be used as a primary residence. At a 4.250% interest rate, the APR for this loan type is 4.314%. The payment schedule would be:
• 119 payments of $1,541.10 at an interest rate of 4.250%
• 1 payment of $1,540.73 at an interest rate of 4.250%
Payments do not include amounts for taxes and insurance premiums, if applicable. The actual payment obligation will be greater.

Vehicle & Recreational Loans

Our flexible rates and fast service will get you into the truck, boat, or RV of your dreams. From ATV’s to snowmobiles, we have a loan for all of your vehicle needs – work or play.