Dreams Come True OnlineHome Mortgages & Home Equity Loans
From first-time home buyers to those improving their home, we can help.

  • Adjustable rate mortgages
  • Fixed rate mortgages
  • Finance new construction of homes
  • First-time home buyers programs
  • Home improvement loans
  • Home equity line of credit

We make loans for cars, boats, RVs and more. Schedule automatic payments from your checking account to make paying off your loan easy, too.

It’s credit whenever you need it for whatever you want. Approved customers may write a check, call the bank, or make a loan to themselves online. You can pay your loan back using automatic payments from your checking account, or in one lump sum. It’s all for your convenience.

Credit Cards

Apply Here!
Now is the time to apply for an Iowa State Bank VISA Platinum Rewards Card with our online application and submit it directly to UMB Card Center online!

logo_CreditCardPay Your Bills Here
Credit cards available:

  • VISA
  • VISA Gold
  • VISA Platinum

Our credit card is offered through UMB Bank, n.a., Kansas City, Missouri.

ApplePay: Now Available for VISA Platinum
If you have an Iowa State Bank VISA®Platinum Credit Card, you can now use Apple Pay, thanks to our credit card provider at UMB.

Pay without swiping or entering card information —paying securely with a single touch of the finger using Touch ID™. Apple Pay is compatible with the iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad Mini 3.

About EMV/Chip Cards
Many customers have questions about the new chip-enabled credit cards also referred to as EMV cards. You will automatically receive a new chip-enabled EMV credit card upon expiration and renewal of your Iowa State Bank Visa® card.

Chip-enabled cards provide an enhanced level of security as well as global acceptance. Chip-enabled cards can be used at traditional “swipe” terminals, or inserted into terminals that accept chip-enabled cards. Simply insert your chip-enabled card into the chip-activated terminal chip first, face-up for the length of the entire transaction. While the card is in the chip-activated terminal, the embedded chip creates a unique transaction code that deters counterfeit card fraud.