At Guthrie County State Bank, we believe that loan decisions made about your personal or business loans should be made locally, by people you trust who are connecting you with the right resources at the right time. We offer a variety of loan products designed to keep your family and your business moving in the right direction and our rates are competitive. If you have questions about our loan products, contact one of our lenders to find out more.

Some of the loan products we offer at Guthrie County State Bank include:


  • Residential real estate
  • Construction
  • Home equity lines of credit
  • New & used cars, campers, travel trailers, boats, motorcycles
  • Personal - secured & unsecured


  • Operating lines of credit
  • Machinery & livestock
  • Farm real estate/mortgage


  • Small Business Administration lines of credit
  • Capital assets
  • Commercial real estate/mortgage

Student Loans

The Smart Option Student Loan® for Guthrie County State Bank by Sallie Mae®

For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here.

For additional information contact Iowa Student Loan at http://www.iowastudentloan.org/

We do not service any student loans. If you have questions regarding which loan is best for you please contact Iowa Student Loan at 1-844-268-2203

For help filling out the Free Application for Federal Student Aid (FAFSA) and other college planning information contact the College Planning Center at http://www.collegeplanning.org/?

*Guthrie County State Bank is compensated for the referral of Smart Option Student Loan customers.