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Loans
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At Guthrie County State Bank, we believe that loan decisions made about your personal or business loans should be made locally, by people you trust who are connecting you with the right resources at the right time. We offer a variety of loan products designed to keep your family and your business moving in the right direction and our rates are competitive. If you have questions about our loan products, contact one of our lenders to find out more.

Some of the loan products we offer at Guthrie County State Bank include:

Consumer

  • Residential real estate
  • Construction
  • Home equity lines of credit
  • New & used cars, campers, travel trailers, boats, motorcycles
  • Personal - secured & unsecured

Agricultural

  • Operating lines of credit
  • Machinery & livestock
  • Farm real estate/mortgage

Business

  • Small Business Administration lines of credit
  • Capital assets
  • Commercial real estate/mortgage

Student Loans

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The Guthrie County State Bank* Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

The Smart Option Student Loan features and benefits:

  • We now offer competitive fixed interest rates in addition to our low variable interest rates providing even more choice and flexibility.
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available
  • Borrower benefits available – like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Fast Online Application. Our easy-to-complete application takes about 15 minutes. It's quick and easy.
  • 24/7 online account management
  • No prepayment penalty.? 

To learn more or to apply, please get started here. www.salliemae.com/smartoption/gcsbank??

For additional information contact Iowa Student Loan at http://www.studentloan.org/

We do not service any student loans. If you have questions regarding which loan is best for you please contact Iowa Student Loan at 1-800-542-6005.

For help filling out the Free Application for Federal Student Aid (FAFSA) and other college planning information contact the College Planning Center at http://www.collegeplanning.org/

*Guthrie County State Bank is compensated for the referral of Smart Option Student Loan customers.