Unlock the full potential of your home

Are you a homeowner looking to take your property to the next level? Whether you want to renovate your kitchen, upgrade your bathroom, or simply enhance your living space, our HELOC is the perfect financial solution for you. With competitive interest rates and a new fixed rate 60-month term HELOC, you can access the equity in your home at an incredible rate, providing you with the funds you need for your home improvement dreams.


Why choose our fixed rate HELOC?

  1. Fixed rate stability: Say goodbye to fluctuating interest rates! Our fixed rate HELOC provides you with the peace of mind of a steady interest rate throughout the entire 60-month term. No surprises, just consistent payments.
  2. Competitive 1% discount with autopay: We understand the importance of affordability. That's why our fixed rate HELOC offers a 1% discount when you set up auto pay. Take advantage of this incredible opportunity to make your home improvement plans a reality.
  3. Tap into your home equity: Your home is your most valuable asset. With our fixed rate HELOC, you can tap into the equity you have built up over the years and leverage it to fund your home improvement projects. Increase the value of your property while enjoying the comfort and beauty you deserve.
  4. Easy application process: We believe in making things simple for our clients. Our streamlined application process ensures that you can get started on your home improvement journey quickly and hassle-free. Our team of experts is ready to assist you every step of the way.

Don't miss out on this opportunity!

Take the first step towards transforming your home today. Our fixed rate HELOC at a 60-month term and a competitive 8.75% APR* is the perfect choice for homeowners like you who are looking to enhance their living space. Unlock the full potential of your home with our reliable financing solution.

Act now and apply for our fixed rate HELOC by clicking the button below. Discover the financial freedom and flexibility you need to turn your home improvement dreams into a reality!

*APR = Annual Percentage Rate.

Terms Home Equity Loans Home Equity Prime Lines
Benefits/Uses Used for specific, immediate expenses such as home improvement, auto purchase, debt consolidation, vacation – you decide. Ongoing source of credit to be used when and where you need it for home improvement, auto purchase, vacation, debt consolidation – you decide. Can be reused as balances are paid down.
Rates Rates are fixed for the length of the loan. Rate fixed or variable monthly based on The Wall Street Journal Prime Rate*
Terms Up to 10 years up to 10 Years
Minimum amount you can borrow $5,000 $5,000
Maximum Loan Amount*** Up to 90% Up to 90%
Payment Options Fixed monthly payments for length of the loan Monthly payments equal to 1% Active Principal Balance**

*The disclosed APR* is based on The Wall Street Journal Prime Rate (the "Index")

**Making only minimum payments may result in a balloon payment of the outstanding principal balance at maturity.

***Loan to value includes all loans on the collateral, value is determined by CSB.

Please note: Community State Bank originates loans in the following counties in Iowa – Polk, Dallas, Boone, Story, Jasper, Marion, Warren, and Madison. If you reside outside of these counties, please contact Community State Bank at 515-331-3100 and ask to speak with a loan officer. You may also email loanoperations@bankcsb.com with your inquiry.

All CSB loan consultants and officers are registered on the Nationwide Mortgage Licensing System and Registry.
CSB NMLS Registry

Requests for information or for error resolution should be mailed to:

Community State Bank
Attn: Loan Error Resolution
817 N Ankeny Blvd
Ankeny, IA 50023

Requests must include your name, loan number, and a description of the error or information being requested.

A home equity loan or line of credit may be right for you. If you are considering home improvements or upgrading your appliances, put the equity in your home to work. Loans and lines of credit have various benefits, you can select which one best meets your financial needs. 

Have questions? Feel free to contact our dedicated Customer Care team at 515.331.3100. We're here to help you make informed decisions and guide you towards a brighter future for your home. Start your home improvement journey today!