What is a credit score?

A credit score is a three-digit number that lenders use as a reference point when you apply for any type of loan or credit product.

Why is it important to keep your credit score high?

A higher credit score may make it easier to qualify for a loan and may also result in a better interest rate. Visit the Consumer Financial Protection Bureau to learn more about credit reports and scores. 

How do I obtain a free credit report?

Under federal law, you are entitled to obtain a free copy of your credit report once a year. Visit www.annualcreditreport.com for more information.

Overdraft Protection Line of Credit

First State Bank and Trust offers a wide array of lending products no matter where you are on your financial journey. Use our Overdraft Protection Line of Credit to protect yourself from accidental overdrafts. This line of credit is attached to your checking account and money is transferred automatically in the event of an overdraft.

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Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:
  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

Consumer Loans

Consumer loans allow you to purchase a car or truck, a recreational vehicle, motorcycle, boat or snowmobile. They may also help you make home improvements, take a vacation, pay medical expenses, or your taxes. Whatever your need, we have the loan that is the ideal match for you.

If you have additional questions, or aren’t sure where to start, let us connect you with a banker.


Put your money to work with your credit cards!

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What to do to keep your money safe.

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