• Agricultural
• Commercial
• Consumer
• Real Estate
• Home Equity
• Leases: Commercial & Governmental
• Credit Insurance
• Free Credit Report

AGRICULTURAL LOANS
Agricultural lending is a priority for Peabody State Bank and we take pride in being able to meet your needs. Our Agricultural Loans are designed to match your cash flow and provide maximum flexibility.

Agricultural Lines of Credit
These secured lines of credit may be used for crop and livestock production.
Key Features:

• Revolving or non-revolving lines of credit
• Repayment schedules designed to match your cash flow
  • Payments coordinated with sources of income; or
  • Interest-only payments due monthly, quarterly, semi-annually, or annually
• Optional automatic advances and/or automatic payments
• Graded interest rates to provide you with the best possible rate for lines of credit over $50,000
• No origination fees!

Livestock, Equipment and Other Agricultural Loans
These secured, term loans may be used for the purchase of livestock, equipment, buildings, or for other farm-related needs.
Key Features:

• Competitive interest rates
• Flexible repayment terms, typically 1 to 5 years
• Flexible collateral options
• No origination fees!

Agricultural Real Estate
Real Estate Mortgages for the purchase of farmland or pasture are available at Peabody State Bank.
Key Features:

• Competitive interest rates
• No origination or other bank fees!

Contact a Peabody State Bank representative for more information on Agricultural Loans.

COMMERCIAL LOANS
Are you a small business trying to expand your bottom line? Smooth out seasonal cash flow? Or are you looking for capital to buy equipment and inventory? Peabody State Bank has experience in all types of commercial banking.

Your financing solutions are right here:

• Real Estate
  When it’s time to expand your location or move to a new one, we have many ways to help you through the transition. Our real estate loans can be designed to fit your needs.
• Lines of Credit
  Peabody State Bank’s Lines of Credit can meet multiple financing needs through one revolving account, from short-term cash and working capital to annual operating needs.
• Term Loans
  To finance equipment or a specific event, we have Term Loans to provide you with the credit you need.
• SBA Loans
  To buy real estate, acquire a new business or franchise, purchase equipment or increase working capital, consider government-backed SBA Loans.
• Merchant Cash Advance

Contact a Peabody State Bank representative for more information on Commercial Loans.

CONSUMER LOANS
We offer personal loans to fit both your planned and unexpected needs.

• Automobile Loans
• Boat and Recreational
• Vehicle Loans
• Vacation Loans
• Consolidation Loans
• Computer Loans
• And More…

Why Peabody State Bank?

• Flexible payment options
• No pre-payment penalties
• Your loan request will receive prompt, personal attention from people you know.

Contact a Peabody State Bank representative for more information on Consumer Loans.

REAL ESTATE LOANS
Ask About...

RESIDENTIAL REAL ESTATE

• Home Mortgage Loans

• • Purchase or Refinance
  • Variable and Fixed Rate Loans
  • As little as 20% down
  • Low Closing Costs
  • Attractive Interest Rates
  • Optional Terms Available
       
• Home Construction Loans
  •  
  • “Construction to Permanent” Financing
  • Interim construction loans with permanent financing available
  • Lot Loans
  • Optional Terms Available
     
• Home Equity (2nd Mortgage) Loans
• Home Equity Line of Credit

Why Peabody State Bank?

• Local, Independent Bank
• Personal Service
• Expertise to help you make a sound financing decision
• Quick response time
• Decisions made at your hometown bank

Contact a Peabody State Bank representative for more information on Commercial Loans.

HOME EQUITY LOANS

Home Equity (2nd Mortgage) Loans

• You worked to build equity in your home; now let it work for you. Have you been thinking about remodeling? Or use your equity to lower your interest rates, pay for college, or take a vacation.

Home Equity Line of Credit

• Use the value in your home when and where you need it; the decision is yours.

Contact a Peabody State Bank representative for more information on Home Equity Loans.

LEASES: COMMERCIAL & GOVERNMENTAL

Commercial

• Whether you operate a business, manage a city or own a farm, leasing the equipment you need through Peabody State Bank is not only possible, it may be more practical than purchasing. We’ll be happy to give you the specifics on how a lease can work for you.

Governmental

• Tax-exempt municipal lease financing is an effective and increasingly popular way for government entities (state, city, county, school district, etc.) to finance and refinance equipment acquisitions and other needs. Peabody State Bank has experience in structuring these leases and we’d like to put this experience to work for you.

Contact a Peabody State Bank representative for more information on Leases.

CREDIT INSURANCE

Peabody State Bank now offers Credit Insurance for new loans. If you should die or become disabled, the financial commitment you made on your loan still remains. That's why we have chosen to make Credit Insurance available when you apply for your next loan. Credit Insurance from Central States Health & Life Co. of Omaha (CSO) is an affordable step you can take toward protecting yourself and your family from unnecessary financial burdens.

Features of the Credit Insurance Payment Protection Plan :

• Fast, easy enrollment
• No medical exam
• No age rating on premiums
• No job restrictions
• Premium can be financed
• Pays in addition to any other insurance

Insurance Product Disclosures

• Not a Deposit
• Not FDIC Insured
• May Go Down in Value
• Not Insured by any Federal Government Agency
• Not Guaranteed by the Bank

The above information serves only as a brief summary of the benefits of CSO credit insurance. Please read the policy or certificate for specific details of coverage. Coverage may vary by state.