Personal Lending Products
We know there will always be the need for additional funds
and better ways to borrow. That is why Farmers Savings Bank & Trust
is pleased to offer a full line of loan and credit products
to help you meet your goals.
Browse through our variety of loan products, then talk to one of our loan professionals.
We’re here to help you find a loan to meet your needs, with local decision-making
and personal service from start to finish.
After-hours appointments are available — Contact
your Loan Officer by email or telephone us at (319) 478-2148.
- Consumer Loans
A consumer installment loan is a popular way to pay for those extra personal
expenses; perhaps you need new household items, to pay for a wedding or
a vacation, or to pay for that college education. Farmers Savings Bank & Trust
- Traer has the ability to tailor a loan for your unique requirements,
with a fixed term, competitive interest rates, and payments that will fit
in your budget.
- Vehicle Loans
Thinking of purchasing a new or pre-owned automobile, motorcycle, boat, or
RV. Why not let Farmers Savings Bank & Trust - Traer finance this
purchase? We stand ready with competitive loan rates on fixed term loans
and convenient ways to make your payments; payments may be made in person,
through the mail, or through automatic deduction.
- Student Loans
Do you need help financing your college education? Farmers Savings Bank & Trust – Traer,
is here to assist in the financing of college expenses. Student loans are
available for full or half-time students. We can help you review the financial
aid process and provide information on all the federally-sponsored education
loans available.
We offer Subsidized Federal Stafford Loans, Unsubsidized
Federal Stafford Loans and PLUS loans to students
or parents of students attending any eligible Federal
Family Education Program school in the country.
These are low interest loans that assist students
and parents with paying for the cost of college.
Our Stafford Loans and PLUS Loans offer up-front
and repayment benefits that save you money! We
have a FREE brochure that provides information
on applying for and obtaining these loans. Stop
in or call us today!
Our lender code is 818816. Your school may ask
you to select a lender for your Stafford Loan,
PLUS Loan or Grad PLUS Loan, if so you can select
us as your lender by indicating our lender code
on the Master Promissory Note or form provided
by your school.
Before applying for a student loan you will need
to complete and submit a Free Application for Federal
Student Aide (FASFA). You can do so online at www.fafsa.org
For information on preparing for college, we also
recommend the College Planning Center (CPC) at
www.collegeplanning.org. CPC provides free services
and assistance to students and their families.
- Credit Cards
As a customer of Farmers Savings Bank & Trust - Traer, you can enjoy
the benefits of the MasterCard and Visa credit cards. These credit cards
are accepted for purchases worldwide. The cards offer you the security of
not having to make purchases with a personal check or cash and each transaction
is detailed on your monthly statement. With MasterCard, Visa and Visa Gold
cards available, we have the right card for you!
- No annual fees
- Overdraft Protection
Our Overdraft Protection plan is designed to end checking account overdraft
charges and provides financial convenience. Overdraft Protection means
that Farmers Savings Bank & Trust - Traer has approved, in advance,
a personal, unsecured loan to balance your account if you should overdraw.
You may write your own loan any time you need extra money by just writing
a check. Come in and discuss how to access your good credit to obtain Overdraft
Protection for your checking account.
Check out our helpful planning tools:
Helpful Links:
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