Loan Center

We provide a wide variety of loans to fund that special purchase or help you invest in your family’s future.

Mortgage Center


Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. A Central State Bank Loan Officer will follow up to answer your questions.

Apply Now

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 217-223-0500.

Quick Links


Today's Featured Rates

Conventional Fixed Rate
30 Year Fixed Rate
 Rate  APR  Points
 3.625%  3.670%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.250%  3.330%  0.000%
Government Loans
USDA/Rural Development 30 Year Fixed Rate
 Rate  APR  Points
 3.125%  3.587%  0.000%

Personalized Quote