view of white farmhouse with red barn beside it surrounded by trees


Whether you’re opening your first ever checking account, saving for retirement, borrowing for a home or car, or interested in our debit / credit card options, Mid-Southern Savings Bank, FSB is here to service your personal banking needs. And unlike other banks, who are getting farther and farther away from customer relationships and face to face interactions, we enjoy serving you and your needs in person or over the phone. Give us a call at 1-812-883-2639.


When making a big purchase or funding a project, most of us don’t have all the cash we need right away. That’s where loans come in.


Mortgage Loans

Are you looking to buy, refinance or build a new home? We offer access to a variety of financing programs like long term adjustable-rate and fixed-rate loans as well as USDA, FHA and VA loans.

Auto Loans

Whether you’re financing your first vehicle or are ready to upgrade, our auto loans are always available at competitive rates.

Personal Loans

People usually use personal loans for one of three reasons: debt consolidation, vehicle purchase or repair, or home improvements. No matter your reason, personal loans are there when you need them.

Home Equity Loans

Home equity loans are available if you wish to use the equity of your home as collateral to finance major expenses that may arise. Home equity loans are sometimes used to finance home repairs, college education, and medical bills. We make home equity loans either as an installment loan or a line of credit.