A Tradition of Community Banking
First State Bank of St. Joseph
St. Joseph     St. Stephen     St. Cloud

Member FDIC
First State Bank
of St. Joseph
is participating in the
FDIC's Transaction Account
Guarantee program. Under
that program, through
June 30, 2010, all
non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general
$250,000
 deposit insurance rules.

After June 30, 2010, funds
held in noninterest-bearing
transaction accounts at the
First State Bank
will no longer be guaranteed
in full under the
Transaction Account
Guarantee Program, but
will be insured up to
$250,000 under the FDIC's
general deposit rules.

Loans

Automobile, ATV & Boat Loans

When is comes to buying an auto, boat or a recreational item First State Bank of St. Joseph offers you a loan designed to meet your financial needs.

For more information or to apply contact Darren, Pauline or Doug at 320-363-7721 or email us at manager@fsbstjoseph.com
Because of the risk that information transmitted via internet email could fall into the wrong hands, the First State Bank of St. Joseph suggests that confidential information such as account numbers, social security numbers etc. not be transmitted via email. Instead please call us t 363-7721 or visit our bank if it is necessary to use confidential information to complete your inquiry.

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Commercial and Business Loans

If you are looking to start, expand or purchase a business the First State Bank of St. Joseph should be your first choice. Doug or Darren, our commercial specialists, have the knowledge and expertise you need. 

For more information or to apply contact Doug or Darren at 320-363-7721 or email them at manager@fsbstjoseph.com.
Because of the risk that information transmitted via internet email could fall into the wrong hands, the First State Bank of St. Joseph suggests that confidential information such as account numbers, social security numbers etc. not be transmitted via email. Instead please call us t 363-7721 or visit our bank if it is necessary to use confidential information to complete your inquiry.

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Construction Loans

Whether you are building a new home or adding on to your existing residence the First State Bank of St. Joseph wants to give you the construction financing.

For more information or to apply contact Pauline at 320-363-7721 or email her at paulinek@fsbstjoseph.com
Because of the risk that information transmitted via internet email could fall into the wrong hands, the First State Bank of St. Joseph suggests that confidential information such as account numbers, social security numbers etc. not be transmitted via email. Instead please call us t 363-7721 or visit our bank if it is necessary to use confidential information to complete your inquiry.

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Debt Consolidation

Having too much outstanding debt can not only cause stress and unhappiness it decreases your cash flow. Let one of the First State Bank of St. Joseph's lenders work with you to consolidate your debt and increase the cash in your pocket. For large consolidations you may want to consider a Home Equity Line of Credit from First State Bank.

For more information or to apply contact Darren, Pauline or Doug at 320-363-7721 or email us at manager@fsbstjoseph.com
Because of the risk that information transmitted via internet email could fall into the wrong hands, the First State Bank of St. Joseph suggests that confidential information such as account numbers, social security numbers etc. not be transmitted via email. Instead please call us t 363-7721 or visit our bank if it is necessary to use confidential information to complete your inquiry.

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Home Equity Line of Credit

By opening a Home Equity Line of Credit (HELOC), you have easy access to extra cash whenever the need arises. It also allows you to use the paid interest as a tax deduction at the end of the year-contact your tax adviser for verification.

To find out more about our HELOC's contact Pauline at 320-363-7721 or e-mail her at paulinek@fsbstjoseph.com.
Because of the risk that information transmitted via internet email could fall into the wrong hands, the First State Bank of St. Joseph suggests that confidential information such as account numbers, social security numbers etc. not be transmitted via email. Instead please call us t 363-7721 or visit our bank if it is necessary to use confidential information to complete your inquiry.

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Residential First Mortgage Loans

First State Bank of St. Joseph offers both purchase and refinances for residential property. A variety of rates and terms are available. If you are looking to purchase don't forget that you can be pre-approved for a mortgage loan before you start looking for your home. Let First State Bank be your mortgage lender.

Call Pauline today at 320-363-7721 or e-mail her at paulinek@fsbstjoseph.com to start your mortgage application or get your free pre-approval.
Because of the risk that information transmitted via internet email could fall into the wrong hands, the First State Bank of St. Joseph suggests that confidential information such as account numbers, social security numbers etc. not be transmitted via email. Instead please call us t 363-7721 or visit our bank if it is necessary to use confidential information to complete your inquiry.

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FRAUD ALERT PHISHING NOTICE:
The First State Bank of St. Joseph will never send you an email asking to verify, update or confirm your bank account information.
If you receive an email asking for this please contact us immediately.  

Send mail to janel@fsbstjoseph.com with questions or comments about this web site.
Copyright © 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010 First State Bank of St. Joseph
Date last updated: 09/02/2010