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. Long-Term Fixed Rates, First time home buyers programs, Construction Loans, and refinancing options. We have a mortgage loan solution that will work for you. Apply now.

10 Year Mortgage Loan

A 10-year, fixed-rate mortgage could be right for you. Traditional 30 year mortgages aren’t for everyone, or every situation. Our 10 Year Mortgage is competitively priced with a simple closing process designed to be easy and less costly.

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.

Home Equity Loans & Lines of Credit

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

Construction Loans

Have you always dreamed of building your own home? We offer 12-month construction loans.

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.