Personal Lending

finger pointing to clouds shaped like a house, car, family and dollar sign

Consumer Lending

Magnolia State Bank is here to help bring your highest goals within reach with a wide array of lending programs.  We offer competitive rates, low fees, and personal, friendly service. We hope you will think of us for all of your financial needs.  Below are some of the items we help finance:

  • Home Loans
  • Home Improvement
  • Cars, Trucks and SUVs
  • Recreational Vehicles
  • RVs/Motorhomes
  • Debt Consolidation

Lines of Credit

Home Equity Line of Credit

Magnolia State Bank offers both Home Equity Loans and Home Equity Lines of Credit and can tailor these products to fit your needs.

Magnolia Protection

Magnolia State Bank is very pleased to offer qualified applicants an unsecured overdraft protection line of credit as part of its checking program.  Funds are advanced in increments of $100.00 with a modest advance fee.  You only pay interest on the portion of your line which has been utilized.

EMV Visa Credit Cards

Magnolia State Bank is excited to offer Visa Platinum Credit Cards to qualified applicants.  Accepted around the globe wherever you see the Visa emblem, these cards carry the following benefits at No Extra Cost:

Enhanced Security

EMV Visa credit cards available from Magnolia State Bank provide you with an enhanced level of security. Every time you use your card at a chip-enabled terminal, the embedded chip generates a one-time use code which is virtually impossible to duplicate and helps in reducing card not present fraud, the most prevalent type of fraud in the United States. When using your card at a merchant that has a chip-enabled terminal, simply insert your card into the terminal with the chip facing up when prompted to pay and leave it in place until the transaction is complete and the terminal prompts you to remove your card. You may be asked to input your pin during the transaction or to sign your receipt afterwards, this will depend on the merchant. If the merchant does not yet accept chip-enabled cards, simply swipe your card as you normally would and complete your transaction. You have all the same benefits and security of our previous cards with an additional layer of security to give you more peace of mind when it comes to your everyday purchases at a chip-enabled terminal. For your convenience, you will find below a three step guide to how to use your new EMV chip card.

                                chip technology

Automatic Travel Accident Insurance*

You, your spouse and dependent children up to age 19 (age 23 if a full-time student at an accredited school or college) are automatically covered with common carrier travel accident insurance every time you travel, anywhere in the world, when you charge your entire fare to our card.

ScoreCard Rewards Point Program:

Earn ScoreCard Rewards Points you can redeem for gift and travel awards! Simply use your Magnolia State Bank credit card and start earning today!  Points are reported on your card statements and at

Visa Checkout                                                                                                                        Verified by Visa

Your Visa card is now protected by Visa Checkout - it password protects your card for free.  The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction.  Your card will then have password protection whenever you shop online at participating stores listed at

These cards also include Fraud Monitoring and ID Theft Assistance.

*Insurance products are:  NOT a deposit, NOT guaranteed by the bank, NOT FDIC-insured, NOT insured by any Federal Government agency and MAY go down in value.