Savings
Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.
SEVERE WEATHER UPDATE: To ensure your safety, all St. Louis area banking centers will be closed on Saturday, November 29. For assistance, please contact our Customer Care team at 636-940-5555 Monday–Friday, 8:30 a.m.–5 p.m., and Saturday, 9 a.m.–12 p.m. CST. You can also access your accounts anytime via Digital Banking or our mobile app. Stay safe and warm!
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Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.


Reduce your mortgage rate or monthly payments, consolidate credit card debt, or fund other financial goals.
















Reduce your mortgage rate or monthly payments, consolidate credit card debt, or fund other financial goals.




Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.



Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.



Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.


Reduce your mortgage rate or monthly payments, consolidate credit card debt, or fund other financial goals.
















Reduce your mortgage rate or monthly payments, consolidate credit card debt, or fund other financial goals.



Mortgage Credit Builder Loan Program

Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.



Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.


You'll need to gather a few essentials first. Need help? Reach out to your mortgage lender with any questions you have to help expedite the process.
We've partnered with BLEND to provide tools that let you upload documentation and check your loan status for a seamless and secure mortgage experience.
As a Senior Loan Officer at First State Bank of St. Charles, I’ve been part of the mortgage industry since 2001. My goal is to make the loan process as smooth and stress-free as possible by understanding each client’s unique needs and offering personalized financial solutions.
With lending capabilities in all 50 states and access to a variety of loan products, including Conventional, FHA, USDA, VA, Jumbo, and MHDC, I work to find the best options for every situation. Competitive rates and low closing costs have helped me build meaningful, long-term relationships with many of my clients.
I graduated from Truman State University with a Bachelor of Science in Finance, bringing a strong financial background to every transaction. My aim is to ensure clients feel confident and supported throughout the process.
I am very passionate about trying to provide a stress-free experience throughout the entire loan process. Not every client is the same so it is important to listen first and then be able to provide financial solutions designed to meet each client’s goals.
Russ Bray