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  • Citizens State Bank is now officially Avadian Credit Union. To log in to online banking, click here.

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Auto Loans

Competitive rates and much more

Getting a new car is exciting. Whether it's your first car ever, the first brand-new car you've ever bought, or the culmination of a long-held dream, it's a big deal. And it's often stressful — but it doesn't have to be. We want to help you get pre-approved before you even go to the dealership, and you pay no loan processing or application fees.   

We offer these great benefits:

  • Pre-approved check for auto purchases (must qualify for the AutoCheck Program)
  • Financing based on loan-to-value determined by NADA Guides
  • No payments for 90 days1 with approved credit on new and used cars
  • Rates as low as 2.76% APR for up to 63 monthson model years 2020-2022
  • Terms up to 84 months
  • Terms up to 60 months on used vehicles model year 2009 or older
  • Convenient loan approval at Avadian partner dealerships
  • GAP insurance
  • Auto Exam Extended Warranty
  • Optional low-cost credit life and disability insurance (payment protection)

So relax. Whether you're buying new or used, acquiring your first sweet ride or upgrading the family vehicle — we’ll make it easy. You can get started by calling our 24/7 loan center at 1.844.652.9916 to apply. 

Click here for current rates, terms, and conditions. 

1Offer is valid for credit scores of 720 or higher. Choosing to defer a loan payment extends the term of the loan. Interest will continue to accrue during the deferral period. Normal loan payments will be due as scheduled 90 days from the date of the loan origination. 
2Subject to membership, creditworthiness, and approval. Annual Percentage Rate based on creditworthiness, loan amount, current mileage, and term of the loan. Payment example: For a term of 63 months, your monthly payment will be $17.09 per $1,000 borrowed at 2.61% APR (not including taxes and insurance.)


The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

Equal Housing Logo Equal Housing Opportunity Lender. 
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