309-584-4146 | customerservice@joystatebank.com

Online Banking

Farm machines harvesting corn for feed

Business Loans

Joy State Bank is dedicated to supporting our local businesses and rural farming communities with a full line of loan products.

Our goal at Joy State Bank is to continue to be a resource for new and existing customer growth and profitability. We offer a wide range of loan products designed to meet the needs of today’s businesses and farmers. More specifically, we offer Operating Loans for short-term coverage, Intermediate Loans for medium-term coverage, Capital Loans for refinancing and consolidation of debt, and Real Estate Mortgages for the purchase of land or commercial property.

All loan products offer a variety of term and payment options to better fit cash flows of your operation. Joy State Bank also offers a full array of FSA Guaranteed Loan Products enabling us to provide more unique financing options to our Farm Customers.  For more information regarding current loan rates, please contact our Lending Team at Joy State Bank.