Online Banking

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Loans

Consumer Loans

Muenster State Bank makes secured and unsecured consumer loans to those who qualify.  Loans secured by the collateral which one is purchasing are often vehicle loans, but can be also made to purchase any of the following:

  • Boats
  • ATV’s
  • RV’s
  • Tractors
  • and much more

In addition, the above types of collateral can be used to secure loans for a variety of your needs including:  consolidate debt, wedding expenses, medical needs, vacation expenses and more!

Applications

Residential Real Estate Loans

Muenster State Bank also makes residential real estate loans/mortgages. We offer several different kinds of real estate loans which are listed below.

Purchase/Refinance Mortgage Loans – Long-term Fixed Interest Rate Mortgages
Purchase/Refinance Mortgage Loans – Balloon Notes
  • Our most popular mortgage
  • The primary advantage offered by our balloon notes are their extremely low closing costs
  • Home Loan Application
Interim Construction Loans
Home Improvement Loans
Home Equity Loans
  • One of our most popular products
  • Many people use home equity loans for remodeling, debt consolidation, college expenses, and any other needs they may have
  • Home equity loans funded by Muenster State Bank also have very low closing costs
  • Home Equity Loan Application
Business Loans

Muenster State Bank offers a variety of business loans and any of our loan officers would be happy to talk to you about your options. Please call or come in to get more information regarding our loan products. A sampling of some loan products are as follows:

Business Real Estate Loans
  • Ag/Farm Land
  • Land Development
  • Rental Property
  • Oil / Gas
  • Commericial Property
Non Real Estate Loans
  • Equipment
  • Ag / Livestock
  • Floor Plan
  • Working Capital
  • Accounts Receivable
Documents

Credit Cards

Personal Credit Card

We make it easy to choose the credit card that is right for you, with three cards to choose from. All three cards are available in two options, Low Interest Rate Card or Preferred Points Card.

Personal Card – Low Interest Rate

benefits
  • Competitive annual percentage rate (APR).*
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher interest rate for cash advances.
features
  • No annual fee.
  • Low introductory interest rate for the first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
fees

Personal Card – Preferred Points

benefits
  • Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher interest rate for cash advances.
features
  • No annual fee.
  • Low introductory interest rate for first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
fees

To Apply Now

  • Download the PDF application.
  • Type the information and then print the application, or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs, introductory interest rate and fees.

Business Credit Card

Business Card – Standard Card

benefits
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7
  • Rental car collision damage waiver protection.
features
  • No annual fee.
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.
fees

Business Card – Preferred Points

benefits
  • Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7
  • Rental car collision damage waiver protection.
  • Rental car collision damage waiver protection.
features
  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
  • Individual billing option only.
fees

To Apply Now

  • Download the PDF application.
  • Type the information and then print the application, or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs, introductory interest rate and fees.