Today's Featured Rates

Rural Development
USDA-Rural Development
 Rate  APR  
 5.000%  5.553%  
Conventional In-House Balloon
120 Month In-house Balloon-Up to 30 yrs amortized
 Rate  APR  
 4.750%  4.853%  
Home Equity
Home Equity Line of Credit
 Rate  APR  
 5.000%  5.000%  
5 Year Fixed Rate Home Equity
 Rate  APR  
 6.250%  6.851%  

Personalized Quote


First Trust & Savings Bank Benefits

Welcome to our Mortgage Center!

Free Preapprovals

We offer preapprovals, so you can shop for your home knowing that you can afford the mortgage. Click APPLY NOW to get started.

Personal Assistance

You can call (Watseka Banking Center 815-432-2494 or Clifton Banking Center 815- 694-2329) or email one of our mortgage professionals to answer any of your questions or ask for advice.

Loan Programs

We offer loan options with no down payment requirements and low down payment requirements including fixed rate mortgages, USDA Rural Development mortgages, and home equity lines of credit. Please contact us for any questions, or click Check Rates to see the loan options available to you.


We also can assist with FHA/VA loans by contacting our Watseka Banking Center or emailing

Rate Watch

Keep an eye on rates by signing up for Rate Watch to have rates emailed to you. You may choose to have rates emailed to you when they reach your desired rate, or on a regular basis.

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