Local Lending Customized to Fit Your Work & Your Life
When you need to borrow money, the right loan and the right lender can make all the difference. At Farmers Trust and Savings Bank, lending is personal, local, and built around real people with real goals.
As a family-owned Iowa community bank since 1892, we offer a full range of loan options for individuals, families, farmers, and businesses across Earling, Harlan, Woodbine, and southwest Iowa. You’ll work directly with local lenders who take time to listen, explain your options clearly, and help you choose financing that fits your credit score and your life.
Whether you’re buying a home, financing a vehicle, managing farm operations, growing a business, or handling everyday expenses, we’re here to help you move forward with confidence.
What Does “Lending” Mean at Farmers Trust and Savings Bank?
Lending simply means borrowing money and paying it back over time, usually with interest. But at Farmers Trust, lending is about more than numbers. It’s also about relationships, trust, and long-term support.
Our loan solutions are designed to help you:
- Make large purchases more affordable
- Manage cash flow and unexpected expenses
- Build or improve your credit score
- Invest in your home, farm, or business
- Plan for the future with confidence
All loan decisions are made locally, right here in Iowa, so you get faster answers and a better experience.
Personal Loans for Everyday Life
Personal loans (also called consumer loans) give you access to funds for many everyday needs, with fixed monthly payments that make budgeting easier. We offer flexible personal financing for life’s plans and surprises.
Common uses include:
- Home repairs or improvements
- Large purchases like appliances or furniture
- Debt consolidation
- Medical or emergency expenses
We offer both secured and unsecured personal loans. Our bankers help you choose the option that fits your budget and goals.
Learn more on our Personal Loans page
Auto, Truck & Recreational Vehicle Financing
A vehicle loan helps you purchase a new or used vehicle and pay for it over time. Because the vehicle is used as collateral, auto loans typically offer lower interest rates than credit cards or personal loans.
We finance:
- Cars, trucks, and SUVs
- Motorcycles and mopeds
- ATVs, UTVs, and off-road vehicles
- Boats and personal watercraft
- RVs, campers, and travel trailers
Benefits of financing locally:
- Competitive fixed rates
- Flexible terms
- Fast, local approvals
- Payments you can count on
Home Loans & Mortgages
Buying, building, or refinancing a home is a major decision. Our mortgage team provides clear guidance, competitive rates, and local decision-making every step of the way. We provide community mortgage lending you can trust.
We offer:
- Conventional home loans
- Adjustable-rate mortgages (ARM)
- Construction loans
- Home equity loans
- Refinancing options
Our lenders explain everything in plain language—from pre-approval to closing—so you always know what to expect.
Business Loans for Growth and Stability
Running a business takes planning, flexibility, and the right financial partner. Our commercial loans help local businesses manage cash flow, invest in equipment, and grow with confidence.
Business loan options include:
- Equipment loans
- Business real estate loans
- Operating lines of credit
- SBA loans
You’ll work with local bankers who understand your business, your industry, and the southwest Iowa economy.
Agricultural Loans for Iowa Farmers
Agriculture isn’t a typical business, and your farm financing shouldn’t be either. Our ag loans are designed around the realities of farming, with flexible terms and repayment schedules.
We offer:
- Operating lines of credit
- Equipment loans
- Livestock loans
- Farm real estate loans
- Construction loans
- FSA and Beginning Farmer programs
Our ag lenders live and work in the communities we serve, and they understand Iowa agriculture firsthand.
Why Borrow from a Local Community Bank?
When you choose Farmers Trust and Savings Bank, you get more than a loan; you get a relationship.
What Sets Our Lending Apart
- Local decision-making—no distant corporate office
- Friendly, experienced lenders you can meet in person
- Competitive rates and clear terms
- Fast approvals and personal guidance
We take time to understand your full financial picture and help you make confident decisions.
The Loan Process, Made Simple
Applying for a loan doesn’t have to be stressful. We keep things straightforward:
- Talk with a local lender
- Review your goals and options
- Complete a simple application
- Receive a local decision
- Move forward with confidence
We’re here to answer questions before, during, and after your loan.
Let’s Make Your Next Move Happen
From everyday needs to life’s biggest milestones, Farmers Trust and Savings Bank is here to support you with local expertise and dependable service.
