Hershey State Bank has a full compliment of loan products and deposit services to fit any need.  If you do not see what you are looking for don't be afraid to ask, we can tailor products and services to fit what is best for you

AGRICULTURAL LOANS: Contact an Ag Loan Officer

• GENERAL- Hershey State Bank offers operating input loans, equipment loans and ag real estate loans.

• FSA BEGINNING FARMER - This program offers beginning farmers or ranchers (in business 10 years or less) funding for the purchase of ag real estate, equipment and livestock purchases as well as annual operating input needs with limited down payment requirements and longer than market terms. Borrowers could also qualify for interest assistance.

• FSA GUARANTEES-INTEREST ASSISTANCE - This program offers qualified borrowers below market interest rates for ag operating and term equipment or livestock purchases or refinances.

COMMERCIAL LOANS: Contact a Commercial Loan Officer

• GENERAL - Hershey State Bank offers operating working capital, equipment purchase and commercial real estate loans.

• SBA LOANS - If you are looking for financing for new business acquisition or expansion, we are a participating lender for SBA low doc loans and 7A loans.

PERSONAL LOANS: Contact a Personal Loan Officer

• GENERAL - Hershey State Bank offers various types of personal loans including vehicle, boat and camper purchases or refinances. If you are looking to do some home improvements such as new heating and air conditioning, windows, siding we are a participating lender with the Nebraska Energy Office which allows us to offer below market interest rates and longer terms. We also provide debt consolidation loans for qualified borrowers.

MORTGAGE LOANS: Contact a Mortgage Loan Officer

• GENERAL - Hershey State Bank provides a variety of in-house mortgage products including purchase, interim construction and second mortgage financing. Use your home equity for that SUV or RV purchase.

• SECONDARY MARKET - If you are looking for long term low interest rate mortgage financing with local servicing we have a program that will fit your needs.

• ENERGY LOANS- If you are looking to make your home more energy efficient, whether it be heating and air conditioning, windows or siding, this program offers low interest rates and reasonable terms for qualified borrowers.

CLICK HERE TO LEARN ABOUT HERSHEY STATE BANK'S INVOLVEMENT IN THE FDIC'S TRANSACTION ACCOUNT GUARANTEE PROGRAM

PAYC CHECKING:  PAYC checking requires no minimum balance.  A 30 cent per debit fee (both paper and electronic) will be charged and listed on your statement. Other account related fees listed in this schedule may apply to this account.

REGULAR CHECKING.  Regular checking can be free of any service charges if you maintain a $100 minimum daily ledger balance.  A $5 maintenance fee and 20 cent per debit fee (both paper and electronic) will be listed on your statement if your ledger balance falls below $100 anytime during the statement cycle.   Other account related fees listed in this schedule may apply to this account.

GOLDEN AGE CHECKING & SAVINGS.  If you have reached your 60^th birthday, this account is for you.  There are no minimum balance requirements and no activity fees are charged (Except excess use fees).  Account related fees listed in this schedule may apply to this account.

Simplicity Checking  A simple ten dollars per month service charge and you receive:

ü       Free VISA Debit or ATM Card

ü       Unlimited Check writing

ü       Free Direct Deposit

ü       Free First Box of  “BASIC” Checks

Other account related fees listed in this schedule may apply to this account.

NOW ACCOUNT CHECKING.  We will pay interest on this checking account if you open and maintain a daily ledger balance of $1500 or more. No interest will be earned on daily ledger balances of less than $1500.  A $5 maintenance fee and a 20 cents per debit fee (both paper and electronic) will be listed on your statement if your ledger balance falls below $100 anytime during the statement cycle.  Other account related fees listed in this schedule may apply to this account.

MONEY MARKET ACCOUNT. If you want to earn higher interest rates and do not write many checks or debits, this account is for you.  You are limited to six pre-authorized debits per statement cycle.  Only three of these preauthorized debits may be payments by check to third parties.  Preauthorized debits include transfers authorized by telephone, transfers and payments authorized by agreement, and checks made payable to third parties.  This account has no service charges unless you exceed the authorized six debits per cycle.  An activity fee of $5 per debit will be charged for each item over the six pre-authorized.  There is no limitation on the number of withdrawals or transfers you may make at the teller line or an ATM.   You must deposit $500 to open this account.  If your balance falls below $2500 interest will be paid at the regular savings account rate. 

SAVINGS ACCOUNT.  This account may be opened with a minimum of $10. In order to avoid a service charge $100.00 must be maintained.  If the balance is below $100.00 (even at opening) anytime during a calendar quarter this account will be charged a maintenance fee of $2.00. Base fees will be waived for minors (18 and under) upon request.   There is an excess activity fee of $5.00 for each preauthorized or automatic debit or payments (paper or electronic) in excess of 12 debits per calendar quarter.  Preauthorized debits are limited to six per calendar month. Preauthorized debits include transfers authorized by telephone, transfers and payments authorized by agreement.  There is no limitation on the number of withdrawals or transfers you may make at the teller line or an ATM.   Seniors may request Golden Age Savings.