Scammers are using tactics to target unsuspecting customers. We ask for you to be diligent in protecting your banking information! Please note that our representatives will never call and ask customers for Login Credentials, card information, or detailed account information. If you receive a call from anyone claiming to be from the First State Bank (FSB) fraud department and their inquiries include requests for the info above, please do not share that information.

If you receive a call that appears suspicious, disconnect the call and contact First State Bank immediately at 866-372-1275. If it is after hours, leave a message regarding your concern and we will contact you on the next business day.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Featured Offers Locations Rate Center Careers Contact Us

PERSONAL

RI$E Credit Booster Loan

Personal > Borrow > RI$E Credit Booster Loan

RI$E Credit Booster Loan

If you’re looking to establish, rebuild, or improve your credit score, the RI$E Credit Booster Loan can help you do that, while also growing your savings. No upfront funds are needed, and applying won’t hurt your credit. With on-time payments reported to all three credit bureaus, this loan is a simple, affordable way to take control of your financial future.

How it Works

Loan amounts from $500 to $3,000
Terms from 12 to 36 months (Example: $1,000 loan = 12-month term)
Affordable, predictable monthly payments
No impact on your credit score for applying
Builds credit while securing your loan funds in a savings or CD account

At the end of your loan term, you’ll receive the full loan amount—plus any interest earned!

Apply Now

The RI$E Credit Booster Loan is Ideal For:

Young adults looking to establish credit.
Anyone working to improve their credit score after past challenges.
People saving for a large purchase who want to avoid additional debt.

Requirements

To qualify, you’ll need:

A First State Bank Savings or CD account (loan amount will be held in this account until the loan is paid in full).
Automatic payments from a First State Bank account.
Proof of income and valid identification.
Must be 18 years or older.
One Credit Booster Loan per customer at a time. Additional loans can be taken after the first is fully repaid.

Know Your Costs

$85 one-time loan processing fee rolled into the monthly payment and reflected in the APR.
Example: A $1,000 loan over 12 months = $92.74 monthly payment with an APR of 20.492%.
Your credit score may improve with on-time payments, helping you qualify for lower rates in the future.