Loans & Credit Lines

Take hold of your dreams

People wait all of their lives for opportunities. We help you take hold of dreams with loans from Starion Financial.

We'll talk with you to find what type of loan and term will fit in your monthly budget. You may have choices between a fixed rate (one that doesn't change) or a lower-rate option, our variable rate, which can benefit you if rates go down over the course of your loan. Loan decisions are made locally and swiftly.

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Consumer Loans

We offer loans at competitive rates for many uses and special needs:

  • Home improvements
  • Autos
  • Boats and recreational vehicles
  • Mobile homes
  • Debt reorganization
  • Other opportunities or unexpected expenses

Ready Credit

Qualified applicants can get a revolving line of credit - essentially a loan that kicks in whenever you write a check above the amount in your checking account. Use it for unexpected expenses or purchases!

Premier Line

This is a service provided to credit-qualified customers who have a Starion checking account. When approved, you receive a credit limit of up to $50,000. A loan is activated when you write a check above the amount in your checking account. It's a great means for making major purchases when you travel, or covering other unexpected expenses when you may not be able to reach your banker for a loan. You receive a monthly statement to help keep your records up-to-date.

Home Equity

The equity you have in your home can secure you a loan for many needs:

  • Home improvements and remodeling
  • A car, truck, SUV or other recreational vehicle
  • Vacation expenses
  • Tuition
  • Medical emergencies
  • A wedding
  • Appliances
  • Practically any major purchase

Our rates are competitive. Interest on home equity loans may be tax deductible. Requests are considered quickly, with an answer to you usually within 24 hours of application.

Home equity loan

A fixed amount of money that is repayable in equal payments over a fixed period of time. The interest rate does not change for the term of the loan. You might consider such a loan when you're adding onto your home and want a fixed amount for your project.

Home equity line of credit

The option allows you a limit or maximum amount that you can borrow against as you need it. The interest rate is variable. You pay interest only on the amount of your line you are using. You might consider a line of credit for tuition, furniture of a family vacation.

Get a jump start on your home equity application process. Review the following home equity and flexline disclosures for your state. Print and sign the acknowledgement form, and bring it with you when you visit a personal banker at any of our locations.

North Dakota Disclosures Wisconsin Disclosures

ND Combined 5-Year Disclosures [PDF]

ND 10-Year Flexline Disclosures [PDF]

WI Combined 5-Year Disclosures [PDF]

WI 10-Year Flexline Disclosures [PDF]

Consult your tax advisor regarding tax deductibility

Download the Federal Reserve's booklet, What you should know about home equity lines of credit

ARMs

An adjustable rate mortgage (ARM) has a lower initial interest rate. The rate will change periodically during the life of the loan.

For mortgage and complete home loan needs in Fargo, Oakes, Ellendale, Bismarck, Mandan, Bottineau, Dunseith, Rolla, Middleton and Sun Prairie, visit your nearby Starion Financial location.

Review the disclosures applicable to your state to get the process started. Print and sign the acknowledgement form, and bring it with you when you visit a personal banker at any of our locations.

North Dakota Disclosures Wisconsin Disclosures

ND Early ARM Disclosures [PDF]

WI Early ARM Disclosures [PDF]

Download the CFPB's booklet, Consumer Handbook on Adjustable Rate Mortgages

Download Application

Data may be entered into the applications before printing. For security reasons, DO NOT e-mail your application. We cannot accept applications via e-mail. Please take care to complete the application for your state.