Houghton State Bank is an institution that provides personal and business banking products. The company s personal banking products include free and interest-bearing checking accounts, savings accounts, money market accounts, certificates of deposit, individual savings accounts, personal loans, automobile loans, mortgages, home equity loans and student loans. Its commercial banking products and services include deposit accounts, payroll services, credit card processing, loans for retail development, Farm Service Agency loans, money market accounts, individual retirement accounts and certificates of deposit. Houghton State Bank maintains branch locations in Red Oak, Cumberland, Elliott and Emerson, Iowa. The company s headquarters are located in Red Oak.