Rates are Falling... Savings are Soaring!

Mortgages

Mom and daughter playing fall leaves.

You don't have to put up with your old high-rate mortgage. Refinancing to a lower rate can help you save big on interest and adjust your terms to your current needs. 

We are here to help. Our experienced local lenders can walk you through your unique situation and determine if a refinance is right for you.

Get started!

Contact any of us below, stop by one of our 10 locations, or apply online!

Apply Online

Kim Schlader
Kim D. Schlader Vice President/Retail Lending Manager 641-257-1249 Email Kim NMLS ID: 458515

About Kim

Kim was born and raised in Charles City, where she resides with her husband. Together, they have raised four children. She has been in real estate banking since May 1995 and has served in many capacities of lending, including processor, originator, underwriter, lender and closer. She currently serves as the bank's Retail Lending Manager. Kim is a graduate of the Iowa Bankers Association Consumer Credit School, is licensed to sell credit life and disability insurance, and is currently working toward becoming a Certified Community Lender this month. This is a new designation available to lenders that establishes a standard of knowledge for people in this role. Kim’s favorite part of her job is helping families get into their first or forever home.

Tracey Lynch
Tracey C. Lynch Retail Lender 641-257-1214 Email Tracey NMLS ID: 1165136

About Tracey

Tracey lives in Charles City with her husband, and together they have raised two children. Tracey began her career at First Security in the Retail Department in 2002. In 2014, while working as a Lead Retail Advisor, she added retail lending to her areas of expertise. Several years ago, she moved to the retail lending side full-time as a Consumer Lender. Tracey is a graduate of the Iowa Bankers Association Consumer Credit School and is licensed to sell credit life and disability insurance. She enjoys working with customers and helping them with their banking needs.

Lacy Schoenfeldt
Lacy Schoenfeldt Retail Lender 641-257-1216 Email Lacy NMLS ID: 2087672

About Lacy

Lacy is a Charles City native. She and her husband continue to live there while they raise their two children. Lacy joined First Security in 2014 and has worked with loans since that time. She is a graduate of North Iowa Area Community College and has broadened her lending knowledge by attending the Iowa Bankers Association Consumer Credit School. She also has earned and maintained a license to sell credit life and disability insurance. She enjoys helping customers reach their goals - whether it's buying a first car or home.

Our Locations

First Security has branch location in 10 North Central Iowa communities.

Bank locations on Iowa map.

About First Security

First Security has made many changes over the 120 years we've been in business, but one constant  is the maximum effort given to raise the level of customer service offered to customers. 

Whether it’s your first time connecting with a bank, or you're a member of a growing family, a business owner, or retiree, we provide customized services to meet your specific needs.

We strive to provide our clients with banking solutions that are faster, easier and more accessible to all. In fact, we are extremely proud of our progressive products, mobile banking solutions, and Video Banking - which allows us to be open longer than any other bank in the area

Simply put, banking with First Security provides you with a best-of-both-worlds scenario. We stay abreast of any cutting-edge service that a megabank could offer you, while also providing the expert, personalized customer service that they can’t.

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