After completing the application, please bring it in to any one of our convenient offices.

Auto and Personal Loans   
We finance new and used auto and truck loans. Fixed rate loans with various repayment terms are offered to meet your needs.

Recreational Vehicle Loans   
Boats, motor homes, travel trailers, motorcycles, etc. are the recreational vehicles for which we make loans. Rates are fixed and terms vary based on your needs and the item being financed. Large ticket items, such as motor homes or boats over 25 feet long, can be financed for extended terms.

 
Home Equity Lines of Credit   
Need a new car? Want to make improvements on your home? Need to put kids through school? How about consolidating your debts into one monthly payment? You need a Home Equity Line-of-Credit from Galena State Bank.

With a Home Equity Line-of-Credit you can draw on the equity in your home to meet your needs. Apply once and have access to a line-of-credit, secured by your home, for whatever you need, whenever you need it. With a variable rate, you will be assured of one of the best rates around, plus, the interest you pay on your Home Equity Line-of-Credit may be tax deductible! (Check with your tax advisor regarding your particular situation.)

When you want to access your Home Equity Line-of-Credit, it's as simple as writing a check or calling any of our offices and asking them to transfer an advance into your checking account.

	Low variable rate
	Draw against the line-of-credit
	Convenient automatic payments

Fixed Rate Home Equity Loan   
When a regular monthly payment amount is important to you, a Fixed Rate Home Equity may be the right choice. Your fixed rate and payment amounts stay the same for the life of your loan. Helpful for major purchases like a car, boat, second home or consolidating bills. Flexible terms are available and there's no pre-payment penalty if you decide to pay off your loan early. Interest you pay may be fully tax deductible, just ask your tax advisor.

Credit Cards   
We make it easy to choose the credit card that is right for you, including Visa Platinum, MasterCard Gold, Visa Business and the Visa FlexMiles cards that reward you with airline miles, travel destinations, valuable merchandise and popular gift cards. These cards are accepted worldwide at businesses, financial institutions, and ATM's.
Here are some of the benefits you can look forward to:

	No annual fee cards available
	Choose either Visa or MasterCard
	Low introductory rate
	Interest-Free grace period
	Rewards Program option for Visa cards
	Auto rental insurance
	24 Hour toll-free live customer assistance

Manage your account online at www.cardaccount.net. Check your balance or view and pay your bill online.

For more information about our deposit products, please contact Michelle, Heather, Mary, Bret or Nikki at our Galena location, Lynn at our downtown Galena location, Peggy or Millie at our Stockton location or Donna and Vicki at our Elizabeth location.

Michelle Murdock		Heather Vincent	Mary Suddie	Peggy Tully	Donna Pearce

Millicent Graves		Bret Johnson	Vicki Wurster	Nikki Peebles	Lynn Gaber