309-584-4146 | customerservice@joystatebank.com

Online Banking

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Personal Loans

Consumer Loans

Joy State Bank offers a variety of personal installment loans to meet your needs.

  • Automobiles
  • Recreational Vehicles
  • Motorcycles
  • Boat

Mortgage Loans

Joy State Bank is dedicated to helping your reach your dream of home ownership.

Whether you are looking to purchase a home or refinance your existing mortgage, Joy State Bank can help you find the right loan to meet your needs.  No down payment? No problem.  With a USDA Rural Development Loan you can purchase your dream home with no money down.

Are you looking for a rate you can count on for the life of the loan?  When you borrow at a fixed rate, your payments will be consistent for the loan’s entire term.

Are you shopping around for a better interest rate or hoping to pay off your mortgage sooner?  We’ll work with you to determine if now is the right time to refinance your existing mortgage.