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The lending process can be overwhelming, and our friendly lending team is here to help guide you through the process. Our experienced lenders can help find a loan product that is well suited to your particular needs. We offer the following mortgage products:

Fixed Rate Loans

Have the assurance that your principle and interest payment will remain consistent over the life of your loan. Terms of 15, 20 and 30 years are available through Freddie Mac (FHLMC). Shorter terms are also available.

Apply Now

Today’s Featured Rates

Balloon Mortgage Loans

This product is designed for non-conforming, non-traditional borrowers for owner-occupied housing. Balloon mortgage loans still offer competitive rates and terms as an alternative to fixed rate financing. Loan-to-value limits and amortization terms may vary.

Apply Now

Bridge Loans

Bridge the gap between your old and new home.

Did you find the perfect new home you can’t live without, but need to sell your current home before you can buy it? No need to wait! Our Bridge Loan allows you to utilize the equity in your existing home to assist in the purchase of a new residence.

This product provides flexible terms with reasonable payments to allow time to sell your home. Once sold, we will assist you with permanent financing. Not all financial institutions offer this specific loan product, but we are proud to say that we do!

Apply Now

Construction and Lot Loans

Looking to build your dream home? Purchase land for a future building site and/or build the home you’ve always wanted with a loan at Jersey State Bank. Once your new home is completed, we will help you with options for permanent financing.

Apply Now

Home Equity Loans

Put the equity in your home to work for you with a home equity line of credit. Use the funds for such things as home remodeling, apply to credit card debt, take a family vacation, or any other purpose you may desire. Funds can be accessed by check or transferred to your checking account as needed.

Interest may be tax-deductible (consult a tax advisor)

Home Equity Loan Application

Contact our lending department at 618-498-6466 to discuss any of these loan options.  Jersey State Bank is on your side – so let’s get started!

With over 119 years in business in a rural community we are very knowledgeable in the needs of our agricultural customers. Jersey State Bank has a lender with an agricultural background to help you succeed and realize your goals. We have multiple types of loans for farm and other agricultural purposes such as:

  • Farm Land
  • Farm Operating Lines of Credit
  • Building Construction
  • Machinery
  • Equipment
  • Inventory
  • Livestock
  • Crop Input
  • Recreational Land

We offer both short and long-term financing with customizable terms. Let us create an innovative solution to accommodate your unique business needs.  Give Tom Schnelt or Chad Bowker a call today (618) 498-6466.

Apply Now

We are also an Approved Lender under the Farmer Mac loan program.

farmer ac financial rural america logo    farmer mac approved lender

We are proud to support our community through lending to Commercial customers. We are locally owned with a qualified lending staff that can make your borrowing experience easier than expected.

Commercial Real Estate Loans:

We offer business loans for the purchase, construction, renovation or refinance of many different types of business real estate, including:

  • Retail
  • Manufacturing
  • Agricultural
  • Office Space
  • Rental Property
  • Recreational Land

We have customizable terms to accommodate each unique type of business structure.

Apply Now

Other Commercial Financing Options:

We have short and long-term options available to finance other business needs such as:

  • Machinery
  • Equipment
  • Inventory
  • Accounts Receivable
  • Operating lines of credit

Apply Now

Jersey State Bank is an Approved Lender under the SBA loan program.

Tax Exempt Financing:

JSB has financing to help the community grow! We offer special financing available for:

  • Municipalities
  • Fire Districts
  • School Districts
  • Townships
  • Sanitary Districts
  • Any other Tax-Exempt Entities

Apply Now

Jersey UP Downtown Loan Program:

In an effort to encourage business growth and revitalization of a once thriving downtown business district, the Jersey UP program has been developed to stimulate purchases and renovations of downtown buildings. Click the link to find out more!

Our town is your town. Let’s work together to build Jersey UP! In an effort to support growth and revitalization of Jerseyville’s business district, Jersey State Bank has developed a program to stimulate the purchase and renovation of commercial properties.

jersey up logo

The Jersey UP loan program offers:

  • Appealing interest rates
  • 15-20 year amortization
  • Flexible loan terms and options tailored to your needs.

 

Apply Now


Jersey UP Testimonials and Before and After Photos

Whitworth-Horn-Goetten Testimonial

Whitworth Horn and Goetten Insurance Agency building before and after

Whitworth-Horn-Goetten would like to thank Jersey State Bank and their staff for all the time and dedication they put in to our rehabilitation project.

Renovating a 115 year old building is no easy task and has many challenges.  Mark Schaefer worked with us to develop a finance plan that allowed us to renovate our historic building while feeling comfortable with our investment.

When you work with their experienced loan staff you feel like you and your business really matter to them. We always enjoy coming into the bank or having them stop by our office just to say ‘Hi’. It is great to have people you feel comfortable talking to about your business.

Jersey State Bank has grown a great program with Jersey UP. Their enthusiasm and willingness to stimulate growth in Jerseyville’s business district affirms their commitment to our community and the preservation of downtown.

James D. Challans
President

We have a team of dedicated lenders to help you and your business succeed. All decisions are made locally. Let us help you achieve your business borrowing needs!  Call us today at 618-498-6466.

Because we’re a locally-owned bank, you’ll enjoy our one-on-one attention and quick decision-making process when you apply for your loan.

Home Equity Loans

Put the equity in your home to work for you with a home equity line of credit. Use the funds for such things as home remodeling, apply to credit card debt, take a family vacation, or any other purpose you may desire. Funds can be accessed by check or transferred to your checking account as needed.

Interest may be tax-deductible (consult a tax advisor)

Home Equity Loan Application

Auto Loans

You have many choices when it comes to financing a new or used vehicle. We have a variety of options to fit every need. Ask about our new car loan special for qualifying borrowers.

We also provide flexible financing to purchase or refinance recreational vehicles such as:

  • Boats
  • Motorcycles
  • RVs
  • ATVs

Apply Now

Personal / Debt Consolidation Loan

Pay off those frustrating bills. Make those home improvements. A personal loan can provide you with quick cash for whatever you need. Contact a lender today for rates and terms.

Apply Now

Credit Builder Loan & Savings Program

Need to establish a positive credit history? Need to rebuild your credit after past problems? Jersey State Bank has a loan program that can help! JSB’s Credit Builder Loan and Savings Program not only helps build, or rebuild, your credit but it can also help create savings for the future. This program can assist you in improving your future ability to qualify for a home mortgage, auto loan or other types of financing.

How JSB’s Credit Builder Program works:

  • It’s as simple as filling out a loan application and speaking to a lender to come up with the best solution to meet your needs.
  • We will take the proceeds from the loan and deposit that amount into a savings account in your name here at JSB; which is then held as the loan’s collateral.
  • Once the loan is paid in full, you have not only helped build your credit history but you also have money available in your account for future use!

JSB’s Credit Builder Program has a low fixed rate with affordable monthly payments.

  • Loans normally up to $1,500.
  • Terms typically up to 18 months..
  • Low fixed rate.
  • Payment history that is reported to all three credit bureaus; TransUnion, Experian and Equifax.
  • Establishes an account for future savings.
  • Program also includes basic financial education and credit building tips.

Apply Now

Contact our lending department at 618-498-6466 to discuss any of these loan options.  Jersey State Bank is on your side – so let’s get started!

Meet Our Lending Team

headshot of tom schnelt
Tom Schnelt
Vice President / Ag and Commercial Lender

NMLS ID# 802332
Office:618-498-6466
Ext. 227

Contact Tom

headshot of Chad Bowker
Chad Bowker
Vice President / Comptroller

NMLS ID# 870571
Office:618-498-6466
Ext. 225

Contact Chad

headshot of Kelli Keller
Kelli Keller
Mortgage/Consumer Lender

NMLS ID# 882398
Office:618-498-6466
Ext. 230

Contact Kelli

Visit My Site

headshot of Kelly Plummer
Kelly Plummer
Loan Administrator

Office: 618-498-6466
Ext. 237

headshot of Rosemary Wock
Rosemary Wock
Loan Administrator

Office: 618-498-6466
Ext. 239

headshot of Cassandra Ayres
Cassandra Ayres
Loan Administrator

Office: 618-498-6466
Ext. 240