Personal Loans

Home Loans

We offer a wide choice of home loans to buy or build the home of your dreams. Home ownership not only offers an opportunity to build equity, it may offer a tax advantage. Consult your tax advisor for more details. Our rates and terms are very competitive. A choice of fixed rate or variable rate mortgage loans include:

  • Owner occupied 1 to 4 family residential loans
  • Second mortgage loans on owner occupied 1 to 4 family residential loans
  • Land and mobile home combination loans

Home Improvement Loans

Whether you need to add a room to your home, remodel or redecorate, build a new deck or patio, put in a new driveway or put on a new roof, come see us for a low-cost home improvement loan.

Home Equity Loans

The equity in your home can be used to secure a personal revolving line of credit. Once your application is approved and your credit limit is determined, you can conveniently access your loan account simply by writing a check. The interest you pay may be tax deductible. Consult your tax advisor for details.

Construction Loans

A construction loan is your permanent home loan with the funds drawn over a period of time. During construction, you pay just the interest on the outstanding balance. Regular payments on principal and interest start after this period or on the month following completion of construction, whichever comes first.

Personal Loans

Unsecured and secured personal loans are available for almost any purpose. Terms and monthly payments can be arranged to meet your specific needs.

We offer short-term loans without monthly payments. Total payment is due at maturity. Long-term loans are available with monthly payments to fit your budget.

You can also get loans that are secured with your CSB Certificates of Deposit or Savings account.

Vehicle Financing

Looking for a new or used vehicle? We offer competitive interest rates, along with flexible terms and conditions with low costs, to fit your individual borrowing needs. At CSB, you can make extra principal payments on your vehicle loan without any prepayment penalty.

Recreational Vehicles

Have you always dreamed of seeing the United States from the comfort of your own RV? Or perhaps your idea of an open highway is actually a boat on a waterway. We can help you finance that dream purchase.

The Commercial and Savings Bank may reserve the right to grant credit for those who qualify from its local market area only.

CSB Locations