5.95% Equipment Loans!

Make your dreams come true with 5.95% Equipment Loans!

Whether you’re dreaming of a brand new piece of equipment, just want to upgrade your old equipment or are ready to refinance, we’re here to help. We’ll work with you to help you decide the best loan options for you and how to turn your current farm operations into what you want them to be.

Give us a call at 934-2500 or stop into bank, and we’ll help you take care of the details.

* Loan subject to credit approval. Rate special is for five-year fixed rate loans and must be for new equipment purchase or a refinance from another institution to qualify. Rate may vary depending upon borrower’s credit history. Offer expires September 30, 2008.

Take Advantage of the Pays to Save Loan

It’s the smart alternative to payday lending that helps you save more of your hard-earned money and start saving for the future.

Loans up to $2500
Longer repayment period (up to 24 months)
Lower interest rate
Built-in savings component creates a safety net for future unexpected expenses, and you’ll earn better than CD rates on that savings account.

Stop by the bank or give Candice a call at 605-934-2500 to learn more.

Pre-Paid Debit Cards Now Available!

Now, you don't need to travel for gift purchasing. You can get a pre-paid debit card from your local bank.

Perfect for

Graduations

Birthdays

Weddings

Travel

Just about anything

Our pre-paid debit cards can be used anywhere Visa Debit Cards are accepted and are easier to carry than cash or travelers checks. You choose the value from $25 to $500.

To make it easier for you, we offer our pre-paid debit cards both online and in the bank.

Come into the bank and, in just a few minutes, leave with the perfect present for any occasion for the low price of $3 plus the loaded value of the card. That's less than you'll spend on a card and wrapping paper, and even the hard-to-buy-for friends and family will be delighted when they use their debit card to shop for their own present, anytime, anywhere.

Our online debit cards are ordered through Deluxe Financial Services. With 12 customizable and unique card designs, you're sure to find one to fit your needs. You select a card design, a dollar value and a special message to be imprinted on the card. Then choose to have the card sent to you or right to your recipient. Each DeluxeCard Visa gift card has a processing fee of $5.95 for dollar amounts from $25 to $250, and a $7.95 processing fee for dollar amounts from $251 to $500.

Give the gift that everyone wants with a pre-paid debit card! Get one online at http://www.statebankofalcester.com or in our bank today!

0% APR for All New Credit Card Customers

Apply for a State Bank of Alcester Visa Credit Card and receive 0% Annual Percentage Rate for six full months. Use the money that you are saving on interest to purchase other items, pay off some of the principal or whatever you want. After the six months, enjoy our low 9.50% fixed rate.

Subject to credit approval. Fixed rates after six months of 9.50% APR on purchases and 14.50% APR on cash advances are subject to change and determined by card issuer. $3 cash advance fee. $15 late payment fee. $15 over-the-credit-limit fee. If any payments are late on this account -- even one day -- more than one time OR at any time the balance of this account exceeds the credit line, your APR would immediately be raised to 13.50% on purchases. If you are late more than three times OR are more than 30 days late more than one time, your APR would immediately be raised to 16.50%.

Pay Visa Credit Card by Phone

Visa's Pay by Phone program allows you to make a payment on your credit card balance over the telephone by calling into Certegy's Customer Service at 1-800-423-7503. All you need to make a payment on your Visa Credit Card is to provide your checking account information to the operators. If you're attempting to avoid late charges, this is a convenient alternative payment option because the fee for this service is only $10 compared to your late fee of $15.

Calls processed with an approval prior to 5 p.m. (Eastern) Monday through Friday will post on the next processing day. Payments received after 5 p.m. Friday through 5 p.m. Saturday will post on Sunday. Payments after 5 p.m. Saturday through Monday 5 p.m. will post on Monday. Payments missing the same day posting cutoff will be backdated using the date the call was initiated. The $10 fee will post to your credit card account at the same time the payment is posted.