If you have or are considering an auto loan from another institution, give us a chance to “Beat Your Rate.” If your interest rate is higher than 4.75% APR, we’ll either beat your rate by up to 2% APR* or give you an Alcester Steakhouse gift certificate.

Just bring or mail in this ad and proof of your current or quoted rate. If we can’t lower your rate, you’ll enjoy dinner on us. Either way, you win!

Apply today or learn more by calling (605) 934-2500!

* Loan subject to credit approval. Minimum floor rate is 4.75% APR (Annual Percentage Rate), and depends on amount and length of loan. Loan amount must be $5000 or greater. Loan must be from another institution to qualify. Limited time offer. Rates are current as of 7/7/10.

The Union County Fair is celebrating 80 years, and we’re celebrating 120 years. Be sure to stop at our booth Thursday, July 29 through Sunday, August 1 for some “Better Than Fair” Specials.

FREE Money
We’re giving away samples from our vault! Stop by our booth to sign up for your chance to win $120.

BONUS Money
Use our ATM at Total Stop in Alcester starting July 20, and you could get a $100 bill instead of a $20 bill.

THANK YOU Money
Sign up for and start using e-statements between July 20 and August 20, and we’ll give you $20*.

To receive your $20, you must complete all the steps necessary to sign up for e-statements by Sept. 1 2010. Once you complete the application and return it to the bank, there are additional steps that must be completed.

For more specials and coupons, be sure to check our page on Facebook at http://www.facebook.com/statebankofalcester!

$50,000 in grant money is available for home buyers who finance with us to help with down payments and closing costs.

The State Bank of Alcester received this grant money from the Federal Home Loan Bank of Des Moines. All this money will be used to help our customers realize the American dream of owning a home*.

We’re one of only two banks in South Dakota to receive this grant money ! If you’re interested in learning how you can qualify for grant money, please contact Kathy at the bank.

* Loan subject to credit approval. Loan must be standard lender underwriting guidelines. Income must meet certain income guidelines and borrower must complete a homebuyer-counseling program. No repayment of grant money required if you reside in the home for at least five years. Funds awarded on a first-come, first-served basis. Other conditions may apply.

It’s the smart alternative to payday lending that helps you save more of your hard-earned money and start saving for the future.

• Loans up to $2500
• Longer repayment period
• Lower interest rate
• Built-in savings component creates a safety net for future unexpected expenses, and you’ll earn better than CD rates on that savings account.

Stop by the bank or give Candice a call at 605-934-2500 to learn more.

Visa's Pay by Phone program allows you to make a payment on your credit card balance over the telephone by calling into Certegy's Customer Service at 1-800-423-7503. All you need to make a payment on your Visa Credit Card is to provide your checking account information to the operators. If you're attempting to avoid late charges, this is a convenient alternative payment option because the fee for this service is only $10 compared to your late fee of $15.

Calls processed with an approval prior to 5 p.m. (Eastern) Monday through Friday will post on the next processing day. Payments received after 5 p.m. Friday through 5 p.m. Saturday will post on Sunday. Payments after 5 p.m. Saturday through Monday 5 p.m. will post on Monday. Payments missing the same day posting cutoff will be backdated using the date the call was initiated. The $10 fee will post to your credit card account at the same time the payment is posted.