Consumer Loans

Overdraft Protection



Blue Book Price of Cars
Financial Calculators

Unsecured Personal Loans 

Unsecured personal loans are available for those who qualify.  They can be used for debt consolidation, vacations and many more things.


  • Automatic Payments Available
  • No collateral required
  • Low origination fee

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Overdraft Protection

A Redi-Reserve line of credit is attached to your checking account to cover overdrafts.


  • Avoid overdraft fees
  • Automatic payments
  • Low interest rates
  • No annual fee

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Credit Card Loans

GARRETT STATE BANK Credit Cards offer No Annual fees and a low interest rate.

Click Here To Look At My Credit Card Statement



3 Options to Choose From:

  • Mastercard
  • Visa
  • Visa Gold




  • No Annual Fee
  • Low Percentage Rate
  • Interest Free Grace Period
  • Travel Reservations
  • Travel Discounts
  • Eye Wear Discounts
  • Emergency Cash



Additional Features of Visa Gold:

  • Car Theft Protection
  • Hotel/Motel Burglary Reimbursement
  • Key Registration
  • Discount Shopping
  • Trip Planning Service
  • Lost or Damaged Luggage Insurance
  • Short Notice Travel

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Student Loans

  • Federal Stafford Loan
  • Federal Plus Loan (Parent Loan)


CLICK HERE to visit Nelnet.


  • Financial Aid Information
  • Payment Options Available
  • 24 Hour Account Information
  • Request Application and Forms
  • Calculate Monthly Payments
  • Make Payments On Line
  • Toll Free Number: 1-800-635-1867


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Credit Builder Loan

This is a small personal loan secured by a Certificate of Deposit here at the bank that allows you to establish new credit or re-build credit.  The best part is once the loan matures you will receive the Certificate of Deposit principal amount plus interest earned on the CD.


  • Low Interest Rate
  • Automatic Payments Available
  • Establish or re-build credit


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New/Used Car Loans

We offer new or used vehicle loans at competitive interest rates whether you are purchasing or wanting to refinance an existing vehicle.


  • Up to 60 month financing
  • Low origination fee
  • Automatic payments available
  • Rate discount for qualifying customers


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Recreational Vehicles


Loans are also available for snowmobiles, ATV's, boats, motorcycles and more.  Rates and terms may vary.



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