Muenster State Bank makes secured and unsecured consumer loans to those who qualify.  Loans secured by the collateral which one is purchasing are often vehicle loans, but can be also made to purchase any of the following:

• Boats
• ATV’s
• RV’s
• Tractors
• and much more

In addition, the above types of collateral can be used to secure loans for a variety of your needs including:  consolidate debt, wedding expenses, medical needs, vacation expenses and more!

Clink on the link below for our online Consumer Loan Application:

• Online Consumer Loan Application

Muenster State Bank also makes residential real estate loans/mortgages. We offer several different kinds of real estate loans which are listed below.

Purchase/Refinance Mortgage Loans – Long-term Fixed Interest Rate Mortgages

• These loans can be made on a 10, 15, 20, 25, 30 year basis
• Fixed interest rate loans are offered as regular mortgages or home equity loans
• Through a third-party mortgage provider
• Long-term Fixed Interest Rate Mortgage Application

Purchase/Refinance Mortgage Loans – Balloon Notes

• Our most popular mortgage
• The primary advantage offered by our balloon notes are their extremely low closing costs
• Home Loan Application

Interim Construction Loans

• For those looking to build their homes
• Interim Construction Loan Application

Home Improvement Loans

• For people who want to remodel or add on to their existing homes
• Home Improvement Loan Application

Home Equity Loans

• One of our most popular products
• Many people use home equity loans for remodeling, debt consolidation, and any other needs they may have
• Home equity loans funded by Muenster State Bank also have very low closing costs
• Home Equity Loan Application

Muenster State Bank offers a variety of business loans and any of our loan officers would be happy to talk to you about your options. Please call or come in to get more information regarding our loan products. A sampling of some loan products are as follows:

Business Real Estate Loans

• Ag/Farm Land
• Land Development
• Rental Property
• Oil / Gas
• Commericial Property

Non Real Estate Loans

• Equipment
• Ag / Livestock
• Floor Plan
• Working Capital
• Accounts Receivable

Documents

• Personal Financial Statement

We make it easy to choose the credit card that is right for you, with two cards to choose from: World and Preferred Points Card or Low Rate Card.

Low Rate Card

benefits

• Competitive annual percentage rate (APR).*
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection.
• Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher interest rate for cash advances.

features

• No annual fee.
• Low introductory interest rate for the first six months.*
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

fees

• Other fees may be charged, these fees are listed on the downloadable application.

World and Preferred Points Card

benefits

• Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection.
• Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher interest rate for cash advances.

features

• No annual fee.
• Low introductory interest rate for first six months.*
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

fees

• Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

• Download the PDF application.
• Type the information and then print the application, or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
• Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs, introductory interest rate and fees.

Standard Card

benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection.

features

• No annual fee.
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual and summary billing options.

fees

• Other fees may be charged, these fees are listed on the downloadable application.

Preferred Points Card

benefits

• Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection.

features

• Low annual fee of $49.00 per account.
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
• Individual billing option only.

fees

• Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

• Download the PDF application.
• Type the information and then print the application, or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
• Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs, introductory interest rate and fees.