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Lending is a critical function of any community bank. Our commitment is to make the process of obtaining a loan as simple as possible. As a locally owned bank, most loan decisions are made within 24 hours. Our lending staff averages 30 years of experience assuring you the expertise needed to meet your borrowing needs.

Home Mortgage Home Equity Loans New & Used Auto Loans
Personal Loans Business Loans Agricultural Loans Loan Rates

Call a Fairfax State Savings Bank loan officer at 319-846-2300, or toll-free at 877-FAIRFAX (877-324-7329), or contact us for more detailed information on any of our loan services.

Consumer Loans

Home Mortgage

Home Mortgage Loans

Whether you are buying a new home, building your dream retirement home, or refinancing your existing one, we have the mortgage products you need to make the perfect decision. You can check rates , perform calculations and gather important information to make home mortgage financing a reality.
We have a number of mortgage loan products available:

  • Construction Loans
  • Fixed-rate mortgages Balloon mortgage loans
  • Adjustable-rate mortgages

Click here to download the printable application form or click here to download the interactive application as an Adobe PDF document.

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Home Equity Loans (Second Mortgages)

Home Equity Loans

If you're like most people, your home is your most valuable asset. With a second mortgage, you can tap into your home's equity. Making improvements to your home, consolidating other consumer debt, paying-off old student loans, even the purchase of a new vehicle could be important reasons for acquiring this type of loan. A potential benefit is that the interest paid on this type of loan may be tax deductible. You should contact your tax consultant for personal advise. Repayment terms vary with fixed rates of interest. With qualified credit, you can borrow up to ninety (90) percent of your home's appraised value.

If purpose is for:

Home Improvement loan secured by your dwelling, Click here to download the printable application form or click here to download the interactive application as an Adobe PDF document.

Other purpose loan secured by your dwelling, call 319-846-2300 for more information.

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Home Equity Lines of Credit (HELOC)

We also offered another second mortgage product that allows you to use your home's equity as a revolving line of credit. This is an ideal product for tapping into an established credit line to purchase an auto, furniture, take a vacation, etc. Lines of credit terms are up to ten years with a variable rate of interest. For more information or to apply by phone, call 319-846-2300.

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New & Used Auto LoansAutomobile Loans

Purchasing a new or new-to-you (used) auto? It's a snap with us! We offer varying terms depending on personal and credit qualifications. To help determine the value of your current automobile or any new car purchase, visit Kelley Blue Book at www.kbb.com. Click here to download the printable application form as an Adobe PDF document.

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Personal Loans

Personal Loans

We make various types of secured and unsecured personal loans. Braces, computers, new furnace, new roof, funerals, and legal expenses are examples of consumer needs. We offer secured and unsecured loans to help. Click here to download the printable application form as an Adobe PDF document.

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Business Loans

Count on Fairfax State Savings Bank to help you with your business credit needs. Whether you need seasonal cash flow, capital to purchase equipment or inventory, we can help.

Take advantage of the following financing solutions:

  • Working Capital
    Fairfax State Savings Bank can meet a variety of financing needs by either short-term loans or a revolving capital line account.
  • Equipment Loans
    When your business needs to purchase new equipment, Fairfax State Savings Bank offers intermediate term financing with fixed or variable rates and a repayment schedule that meets your particular cash flow.
  • Real Estate Loans
    When it is time to expand your location or move to a new one, we have the loan products to help. Choose from fixed-rate balloon or variable-rate mortgage loans with repayment terms that will work for you.
  • SBA Loans
    We have experience in working with Small Business Administration (SBA) guaranteed loans to help leverage real estate purchases, acquire a new business or franchise, purchase equipment or increase your working capital. Click here for additional information on SBA loan programs or to obtain applications and forms. Click here to download the printable application form.

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Agricultural Loans

Agricultural Loans

Let us help your farm operation by providing credit to purchase equipment, livestock or crop production inputs.

  • Seasonal Operating Lines of Credit
    This secured line of credit is used for the production of crops. The line is established each growing season based upon the expected need. This loan can be revolving or non-revolving and repayment is designed to meet your individual cash flow.
  • Livestock, Equipment and Other Loans
    We offer secured term loans with fixed rates for the purchase of livestock, equipment, buildings or other farm-related production needs. Repayment schedules vary depending on your cash flow. Terms are available for up to sixty (60) months.
  • Real Estate Loans
    Balloon loans are available for the acquisition or refinancing of farmland. Terms range from thirty-six (36) to eighty-four (84) months.
  • Government Assisted Loans
    Special circumstances sometimes require the use of government assisted financing through the Farm Service Agency (FSA). We have expertise in this area as well. Click here for more information on Farm Service Agency loan programs.

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