Ag/Business Solutions
Agricultural Loans
From the very beginning Janesville State Bank has made agriculture a cornerstone of our business. Whether you have a large farm operation or you are a part-time or hobby farmer, the lenders at JSB have the experience and expertise to provide the best solution for you. At Janesville State Bank we are committed to the success of the agricultural community.
- Real Estate Loans
- Purchase land, buildings, or improvements
- Long-term, fixed-rate loans available through the secondary market (Farmer Mac II)
- Operating Loans
- Annual operating lines of credit
- Short-term notes
- Feeder livestock loans
- Term Loans
- Flexible terms
- Finance a variety of purchases
- Rural Finance Authority/ Aggie Bond Loans
- Beginning Farmer Program
- Ag Improvement
- Restructure
- Livestock Loans
- Crop Insurance
- RA and MPCI insurance
- Crop Hail insurance
Commercial Loans
At Janesville State Bank we understand that having a sound credit program is essential to the success of your business. Whether you need financing for start-up, expansion, equipment updates or operating JSB has a loan type to fit your situation. We can provide Small Business Administration (SBA) guaranteed loans (7a, Low doc, and Express) as well as assist you in applying for SBA direct loans (504). Janesville State Bank can also assist you in obtaining local, county and regional revolving fund loans.
- Operating Lines of Credit
- Short term and annual
- Fixed or variable rate
- Real Estate Loans
- Purchase and develop property
- Finance expansions and improvements
- Variety of terms available
- Equipment Loans
- Flexible financing for your business equipment purchases
Commercial Deposit Products
Business Regular Checking
| No minimum balance required. | ||
| Monthly maintenance fee | $6.50 | |
| Per check written | $ .15 | |
| Per out-of-town check cleared | $ .08 | |
| Per deposit | $.15 | |
| No charge for coin or currency. | ||
| Earnings credit: Adjusted against service charge based on 91-day T-bill interest rate adjusted on the last day of each month. Each month account may have a net service charge if earnings credit is not sufficient to offset maintenance fee and account activity. | ||
Business Interest Checking
(Unavailable to Corporations)
| $3,000 minimum balance to obtain interest, if balance drops below $3,000 no interest will be paid. Each month the account will generate a service charge based on maintenance and account activity. | ||
| Monthly maintenance fee | $9.50 | |
| Per check written | $ .15 | |
| Per out-of-town check cleared | $ .08 | |
| Per deposit | $ .15 | |
| No charge for coin or currency. | ||