One-Time Passcodes (OTP) will be replacing the current Multifactor Authentication (MFA) for Retail Online and Mobiliti on May 1, 2026. It is important that we have your current email address on file. Starting May 1, the current Security Question/Answer will be replaced by a code sent to the email address connected to your Online Banking. Please contact us prior to May 1 to verify that your email address is current to avoid access issues. 
equity

Home Equity Loan & Home Equity Line of Credit


Home Equity Loan
If you are a home owner, a home equity loan is a great way to borrow money. The interest you pay may be tax deductible. Just check with your tax advisor to be sure. Home equity loans can be used to consolidate debts, finance a vehicle or recreational vehicle, remodel your home, pay for a much needed vacation or just about any other need you may have.

Apply Online Home Equity Loan

Home Equity Line of Credit

A home equity line of credit (HELOC) is a form of revolving credit in which your home serves as collateral. Once approved, a home equity line of credit can be used to finance any expense such as home improvement projects, college education, medical bills, or even your dream vacation.

Apply Online Home Equity Line of Credit (HELOC)

Contact one of our qualified loan officers to apply today and we will help you decide which program is best for you!

Contact

WINTERSET WEST DES MOINES

Jeffrey J. Nolan, President & CEO
                  NMLS #852704

Jeffrey J. Gray, Senior VP & Loan Officer
                 NMLS #413222      

Charles D. Gordon, VP & Loan Officer 
                  NMLS #471740

Matthew T. Olson, VP & Loan Officer
                  NMLS #1519708

Scott D. Hurst, Branch Manager
                  NMLS #2049727

Union State Bank NMLS #435185

 

Lucas G. Nolan, VP & Loan Officer
                           NMLS # 2504741