You have work to do!

Your Financial Fitness Grade is:

/ 100

Fill out the form below and we'll contact you to set up a free Financial Health Consultation.


Here’s a breakdown of your score. We have bankers standing by this September to help you with your score. Set up a consultation to review your score for advice and pick up your gift card!

Debt to Income Ratio

Your debt-to-income ratio needs a little bit of work! Many people with debt find they would benefit from a debt consolidation loan - to pay a single payment at a lower interest rate.

Learn more about debt consolidation ›


You might benefit from refinancing your mortgage! Did you know mortgage rates are still at historic lows? Even small improvements to your rate could save you tens of thousands of dollars.

Read more about refinancing ›

Retirement Savings

Retirement savings is the cornerstone of financial wellbeing, and today we all have to do a bit more to save enough for retirement. If you don’t have a clear picture of your retirement savings, they might need a second look with a financial planner. This is one area you can’t afford to come up short.

Learn more about good Financial Planning ›


For any outstanding debts, it’s always worth looking into debt consolidation or a personal loan to cover them. Often, personal loans will offer lower interest rates and help you cover payments to creditors that would otherwise accrue much more interest.

Learn more about debt consolidation ›

Identity Protection

With recent data breaches, most Americans are at risk of identity theft now and for the immediate future. Properly and actively protecting your identity is no longer just an option, it’s absolutely necessary.

Read more about Identity Protection ›

Want to keep your financial fitness in tip-top shape?

Check out the Chelsea State Bank blog

  • Chelsea State Bank Announces Joanne Rau Next President

    The Board of Directors of Chelsea State Bank recently have announced Joanne Rau as the next president of Chelsea State Bank. Joanne will begin as President on October 1. At that time, current President David Schaible will become President ex officio and retire at the end of the year. John Mann will remain Chief Executive… Read More

    Read more ›
  • 7 Reasons to Buy a House for Financial Benefits

    Home ownership makes sense for millennials for an assortment of social and family reasons. It also makes sense financially, both in the short and long-term. We have compiled 7 reasons to buy a house for financial benefits (plus a few credit score bonuses) as of April 2019: 1) Tax Deductions and Benefits Home ownership comes… Read More

    Read more ›
  • Using a Monetary Gift for Home Down Payment

    Saving a down payment is one of the most important—and often most challenging—aspects of buying a home, especially for millennials. Unfortunately, many millennials struggle with getting a down payment together. In a 2017 Zillow survey, nearly 70 percent of renters said saving a down payment was the biggest hurdle to buying a home. Starting in… Read More

    Read more ›