Consumer Auto and Personal

Auto loans:

  • Vehicle purchase loans
  • Vehicle refinance loans

Auto loan benefits:

  • Competitive terms and interest rates to help fit your budget
  • Monthly, Weekly, Bi-weekly or Semi-monthly payment options
  • Up to 100% financing at loan officer discretion
  • Same day approvals and closing so you don’t miss any deals
  • Auto payment options
  • View and pay your new loan online

Personal Loans for:

  • Unexpected bills
  • Consolidation
  • Vacation
  • Special purchases

How it works:                                                                                                  

  • Flexible terms to fit any budget
  • Fast loan decisions
  • Same-day funding if approved
  • Fixed rate
  • View and pay your loan with Online Banking
  • Secured and Unsecured options

Commercial loans for:

  • Commercial real estate purchase
  • Commercial real estate refinance
  • Commercial operating loans
  • Expansion
  • Acquisition
  • Inventory
  • Lines of Credit

Commercial loan benefits:

  • Flexible terms
  • Competitive fixed rates
Agriculture Loan
  • Agricultural real estate purchase loans
  • Operating loans
  • Livestock loans
  • Financing for crop input costs
  • Machinery and equipment loans
  • Agribusiness costs and financing
Real Estate

Home Loans


Trusted Help that is available when you need us.

Citizens State Bank of Cheney Home Loans are where you can feel comfortable getting the advice to move forward with your Home Dreams. Reliable information. Trusted Source. Community Bank Caring.


  • By going the extra mile to help you make things happen and being available and prompt, you will know that we are here for you when you need us.
  • With over 20 years of experience, we will guide you with expertise and personalized options without one track fit in the box only lending decisions.
  • We support kids, schools, organizations, and our communities and you will be cared for as part of our Community Bank family. Regardless if you are ready for a home loan or just have questions, we are very happy to help.

Citizens State Bank of Cheney
NMLS ID# 809414
306 N Main
P.O. Box 509
Cheney, KS 67025

Roger F Brown #810088
Molly O’Shea #458609
Ryan D Runnells #747913
Jordan Cale Holder #1810223

Loan Programs

  • Land/Lot Loans
  • Construction Loans
  • Home Equity Loans
  • Large Acreage Loans
  • Conventional – Locally Serviced Loans
  • FHA
  • VA
  • HomeReady®
  • USDA – Rural Development
  • Jumbo Loans
  • Portfolio Balloon Loans
  • Bridge Loans

Citizens State Bank of Cheney offers a variety of mortgage products to provide you with individualized and personal solutions. Local servicing options mean the same people you talk to while getting a loan are the same people who take care of you after you have the loan. Let us help guide you in choosing the mortgage loan that is right for you.

Let Citizens State Bank of Cheney be your trusted source for reliable and knowledgeable mortgage options! Contact Molly O’Shea at 316-542-3142

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